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Infographic: How Student Loan Borrowers Improve their FICO Scores

In our previous blog post, FICO revealed research on the credit behavior of young people with a student loan actively in repayment to determine the behaviors that are driving FICO®

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Banker Sentiment Up, Credit Gap Down

We just wrapped up our latest quarterly survey of U.S. bank risk professionals. As a first in our survey’s three-year history, respondents are expecting something of an equilibrium…

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France Takes Unwelcome Spot at Top of Europe’s Fraud Loss Table

European countries vie for various sports prizes, but one prize no one wants has just been claimed by France. In terms of the highest card fraud losses for 2012, France is at the t…

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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 identify important new trends. Recently, my team completed an an…

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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 consumers were doing the opposite. This post will dig deep…

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The Young and the Cardless

My admittedly kitschy title highlights a new trend that we’ve observed after analyzing credit behaviors across different age groups: more young consumers are forgoing the use of cr…

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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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Is Consumer Credit Underwriting Looser?

Last month I wrote about growing optimism of US bank risk managers. A large majority of those polled expect consumers over the next six months will be applying for more new credit,…

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Infographic: Who’s Leading the Mobile Banking Revolution?

I recently blogged here about the fact that your customers are more ready for mobile banking than you are. FICO’s new infographic on the mobile banking revolution makes this point…

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New Map Identifies US Card Fraud Hotspots

I’m excited to share that we’ve just released an interactive map showing debit and credit card fraud trends in the US. The map identifies the points of compromise—that is, where th…

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Challenging Assumptions About Consumer Deleveraging in the US

Conventional wisdom holds that US consumers have been deleveraging—either voluntarily or involuntarily—since the recession of 2008-2009. While there is ample evidence that many con…

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Infographic: How Fast Is Card Fraud Detected? 5X Faster Than the Eye Blinks

In financial services, many things are described as “real time,” including numerous online banking and payment transactions. However, there is no universal definition of real time.…

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Infographic: History of Innovation in Payment Card Fraud Analytics

We recently put together an infographic showing the evolution of real-time analytics for payment card fraud detection over the last 20 years. The infographic also shares notable fa…

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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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Card Fraud Trends and Predictions: Bank ATMs a Growing Hotspot

2013 was certainly not a shrinking violet in terms of card skimming and associated card fraud scams. With 2013 card compromise data in hand, I thought I’d share the latest year-ove…

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