Frederic Huynh
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Age Before Beauty, Credit Worthiness Before Youth
A timeless adage among loan underwriters is that older consumers are more credit worthy than younger consumers. This ada...
Deleveraging Continues for Youngest Consumers
Recently, my team did some analysis of consumer credit risk trends and behaviors over time, focusing on debt breakdown b...
US Credit Quality Continues to Inch Forward
We recently crunched the data from the latest national distribution of FICO® Scores. Our findings reveal a continued slo...
Secret to Scoring More Consumers? Alternative Data—With A Catch
As I discussed in my last blog post, many of our banking clients have expressed interest in scoring more US consumers. B...
Score More Consumers? Lenders Weigh In
Over the past six months, there’s been a lot of marketing hype about scoring significantly more consumers than ever befo...
Research into Scoring More Consumers, Part 3
I've been blogging about the science behind who gets a FICO® Score and the three critical analytic questions that mu...
Student Loan Debt Spike Drives Higher Debt Load for Late Payers
As a follow up to our recent research on U.S. credit trends, the FICO Labs team has looked at how debt has changed for “...
Research into Scoring More Consumers, Part 2
In my last post, I introduced the three critical analytic questions that must be answered before scoring more consumers,...
Research into Scoring More Consumers
I’ve been blogging about why you need a minimum amount of data, including recent data, to generate a valid FICO® Score. ...
Who Gets A FICO® Score?
Two related questions I’ve been asked recently are: 1) How do you determine who qualifies for a FICO® Score? and 2) Why ...
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