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Do Consumers Seek More Credit After Their Score Recovers?

In a previous post, we noted that the majority of consumers who had a 7-year-old delinquency purged from their credit file saw improvements in their FICO® Scores. Now let’s look at…

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The Role of Credit Scores in Mortgage Origination

This blog explores the role credit scores have in the mortgage lending and automated underwriting process. This is particularly important for conforming mortgages or mortgages sold…

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Myth Busting with Clever Girl Finance and Jenelle Dito, FICO® Score Open Access Program

Bola Sokunbi of Clever Girl Finance recently chatted with Jenelle Dito, Director, FICO® Score Open Access program, for her podcast episode ‘Dispelling The Most Common Credit Myths’…

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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 Do FICO Scores Bounce Back After Negative Credit Info is Purged?

In the depths of the Great Recession, tens of millions of consumers had lapses in meeting their credit obligations. Some seven years down the line, those missed payments are being…

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NCAP Public Record Removals Have Little Impact to FICO Scores

The National Consumer Assistance Plan (NCAP) is a comprehensive series of initiatives intended to evaluate the accuracy of credit reports, the process of dealing with credit inform…

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Truth Squad: Can Scoring Rental Data Vastly Improve Credit Access?

There has been much discussion and several studies over the years regarding the potential value of leveraging rental data in assessing consumer credit risk. Which raises the questi…

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Credit Behaviors of “Unscorables” (Hint: They Aren’t All Alike)

What are the credit behaviors of the millions of US consumers who don’t currently have FICO® Scores? We’ve just published new research on how to safely and responsibly extend cr…

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Using Unreliable Data Won't Help Credit Invisibles

There has been a lot of talk about whether and how various credit scoring models can be used to identify additional creditworthy consumers and expand access to credit. This has bee…

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US Credit Quality Continues To Climb – But Will It Level Off?

According to the latest national distribution of FICO® Scores, US consumer credit quality has continued the slow-and-steady climb we've seen over the last few years. As we’v…

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The Impact of Medical Debt on FICO® Scores

Recently, 31 states announced a joint settlement agreement with the three major credit bureaus regarding changes to the reporting and treatment of consumer credit data, including m…

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Scoring Innovation Means More Consumer Home Loans

I recently had the opportunity to participate in a panel discussion: “What is happening with underwriting and credit standards” during The Future of Housing Finance Conference at G…

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Truth Squad: Will Looser Scoring Standards Help Millions More Americans Get Mortgages?

Access to credit and the path to homeownership are important parts of the American way of life. That’s why it’s critical to understand what can be done to improve financial inclusi…

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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. consumers, while still mixed, may be slowly returning to a…

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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 slow but steady improvement in US consumer credit quality. &#…

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