Measuring Consumer Resilience to Economic Stress for ABS
FICO® Scores are designed to rank-order the expected future payment performance of consumers’ credit obligations based on their credit bureau characteristics, irrespective of the economic environment.
Why Credit Scores are Crucial to Healthy Securities
The value of asset-backed security is determined by the cash flows generated by the underlying assets and understanding the predictability of those cash flows
Measuring consumer resilience to economic stress using the FICO® Resilience Index
Discover and manage potential latent risk within groups of consumers bearing similar FICO® Scores, without cutting off access to credit for resilient consumers.
Helping financial institutions more precisely predict a borrower’s resilience to potential future economic disruptions and keep credit flowing during uncertain economic times.
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