Joanne Gaskin
Joanne Gaskin was a Vice President of Scores at FICO.
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Ace Your Next Regulatory Exam
Back in school, cramming for an exam may have been acceptable (although stressful). But it’s never the best option for l...
Do Lender Overlays Reduce Opportunity Along With Risk?
Since the mortgage crisis, many media articles have been written about the overlays that lenders impose on top of the mi...
No Shortcuts to Objectivity
My colleague Frederic Huynh recently posted that mortgage short sales continue to represent high credit risk in our FICO...
Underwater mortgage: new term requires new thinking
It's official... the term "underwater"—as applied to a mortgage loan—has made this year’s list of new word...
What is “Alternative” Credit Data?
When you stop to think about it, the term “alternative credit data” is a catch-all phrase to describe data that is not c...
Making the most of score differences
I previously blogged about how a consumer’s FICO® Score may vary from one CRA to another, due mostly to differences in d...
Score differences across credit bureaus reflect true data differences
I recently had the pleasure of speaking at the Philadelphia Federal Reserve Bank’s Community Development Studies and Edu...
How do you treat a strategic defaulter?
As I've mentioned previously on this blog, strategic defaulters have a unique set of characteristics not found among...
FICO Analysis: Strategic Default Problem Grows
A recent FICO data analysis found more than six million U.S. homeowners have a current-loan-to-value ratio of 120 or hig...
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