The Young and the Cardless
My admittedly kitschy title highlights a new trend that we’ve observed after analyzing credit behaviors across different...
Frederic Huynh
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Analyzing Credit Trends by Age: Part Two
In my last post, I shared research showing how older consumers have been increasing their debt loads, while younger cons...
Analyzing Credit Trends by Age
One of the things I enjoy most about being a data scientist is when I get to slice and dice data in various ways to iden...
FICO® Score Distribution Remains Mixed
Based on a fresh look at the national distribution of FICO® 8 Scores, it appears that the profile of credit risk for U.S...
Dark Clouds Looming Over Student Loan Industry
My earlier blog post quantified some of the trends we have been seeing in the US student loan industry, namely the preci...
Patterns of New-to-Credit Consumers
What's the credit profile of “new-to-credit” consumers? FICO staff recently presented new research on this topic at ...
What's the Profile of High Credit Scorers?
We just released revealing new research on the habits
of US consumers with the highest credit scores, specifically thos...
Is Growing Student Loan Debt Impacting FICO® Scores?
As students incur more student loan debt, lenders and investors in student loans are asking how this is affecting US con...
Do credit scores have a disparate impact on racial minorities?
Federal Reserve Board research concluded that "credit scores do not have a disparate impact across race, ethnicity, or gender.”
Are Short Sales Really That Bad?
My colleague Joanne Gaskin wrote a great post about the impact to the FICO® Score from short sales and other mortgage st...
A Better Way to Treat Inquiries
In my last post, I discussed the specialized logic in the FICO® Score that accounts for loan rate shopping by consumers....
The skinny on FICO® Scores and inquiries
One of the largest misconceptions around how the FICO® Score works involves its treatment of credit inquiries, and what ...
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