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    Paul Panichelli

    Paul Panichelli

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    • Simulated FICO Score Impacts due to Mortgage Forbearance Simulated FICO Score Impacts due to Mortgage Forbearance
      Simulated FICO Score Impacts due to Mortgage Forbearance
      September 29, 2020
      Scoring Solutions

      Here at FICO, we’ve fielded numerous questions about the impact to FICO® Scores due to credit reporting during the pandemic. Most of the questions we have received center on the impact from accounts being newly reported in some form of mortgage payment accommodation (e.g., forbearance or deferment). But in recent weeks, there is increasing focus on how FICO® Scores mi…

      Paul Panichelli by Paul Panichelli
    • Truncation Bias in Score Validations: When Rejected Applications Strike Back Truncation Bias in Score Validations: When Rejected Applications Strike Back
      Truncation Bias in Score Validations: When Rejected Applications Strike Back
      October 21, 2019
      Scoring Solutions

      This post is the second of a three-part series highlighting some of the ways in which the set-up of a score validation can greatly influence model performance results — and sometimes inflate them.  Our goal is to help potential users of scores and data evaluate their options and understand when they might be looking at skewed results.  The first post in this…

      Paul Panichelli by Paul Panichelli
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