BNPL in Credit Reports: How Could This Data Impact FICO Scores?
Key findings from FICO research suggests how the inclusion of Buy Now, Pay Later (BNPL) loan data in consumer credit report files could affect FICO Scores
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Ethan Dornhelm
Ethan Dornhelm, Vice President, FICO Scores and Predictive Analytics, leads the research and analytic development of FICO® Scores globally. Ethan is responsible for maintaining the predictive power the core product line as well as research and development of new scoring products, alternative data, analytic methodologies and machine learning implementations. Most recently, his diverse and high-performance team launched the newest FICO® Score 9, FICO® Score XD, FICO® Safe Driving Score, the fifth generation score at TransUnion South Africa, and the first credit-bureau collections and application fraud scores in Turkey as well as developing the analytic features available to millions of consumers via FICO’s B2C solutions -- myFICO.com and FICO® Score Open Access. Ethan has a B.S. in management science/operations research from UC San Diego.
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The Role of AI Model Governance
In conversation with Scott Zoldi, FICO's Chief Analytics Officer.
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Average U.S. FICO® Score at 716, Indicating Improvement in Consumer Credit Behaviors Despite Pandemic
The FICO Score is a broad-based, independent standard measure of credit risk
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Average U.S. FICO Score at 711, But Uncertainty Abounds
It generally takes some time for the effects of a major macroeconomic event to start to show up in consumers’ credit reports.
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FICO Score Trends Through Economic Downturns and Natural Disasters
What FICO Scores can tell us about the road ahead
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How FICO Helps Protect Your Score During COVID-19
The FICO Score doesn’t negatively consider forbearance/deferment agreements.
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Innovation Never Sleeps: Why We Redevelop the FICO Score
FICO Score 10 Suite gives lenders unparalleled flexibility and predictive power to make even more precise lending decisions
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Which Consumer Segments Have Driven the Average FICO Score Higher Over the Past Decade?
A closer look at how much the national average FICO Score has been impacted by notable changes in the FICO scorable population
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Average U.S. FICO Score Ticks Up to 706
The national average FICO Score has steadily risen over the past decade
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Are FICO Scores “Artificially Inflated?”
A recent Bloomberg article asserted that “consumer credit scores have been artificially inflated over the past decade,” as credit scores have steadily increased over the past decad…
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U.S. Credit Scoring Trends to Watch in 2019
After a 2018 that had its highs and lows, what might 2019 have in store from a credit risk management standpoint? Here are four key developments in credit scoring that we wil…
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How Analytics Developers Can Game Model Results
"There are three kinds of lies: lies, damned lies, and statistics" - Attributed to Benjamin Disraeli, British PM (1874-1880) In assessing the predictive value of…
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