FICO Plans Big Shift in Credit-Score Calculations, Potentially Boosting Millions of Borrowers

Por décadas, os scores de crédito foram baseados principalmente no histórico de pagamento dos tomadores de empréstimo. Isso está prestes a mudar.

Fair Issac Corp, creator of the widely used FICO credit score, plans to roll out a new scoring system in early 2019 that factors in how consumers manage the cash in their checking, savings and money-market accounts. It is among the biggest shifts for credit reporting and the FICO scoring system, the bedrock of the most consumer-lending decisions in the U.S. since the 1990s.