Factors driving credit score decreases observed among student loan holders involved behaviors such as delinquency on credit products including bankcards, auto loans, and mortgages

Research shows balance aggregation results in modest impact to FICO® Scores

Analysis identified modest impacts to FICO Scores from forbearance-related potential increases in mortgage balance.

Using FICO Scores for account management can help lenders identify which borrowers have increased risk

The set-up of a score validation can greatly influence model performance results — and sometimes inflate them

The view that pricing optimisation outcomes focus squarely on a customer’s price sensitivity may be short-sighted.

Some people believe that the application of price optimisation takes advantage of price-insensitive customers. In fact, a powerful pricing engine is more necessary than ever.

In this post, I will share analysis that shows why using account management scores in addition to account origination scores is important.