Consumer Payment Behavior on Credit Cards Impacted by the Pandemic
The pandemic caused behavioral impacts on credit card payments of consumers for revolving products, where the minimum due is a small percentage of the current credit card balance
FICO® Score 4
The FICO® Score 4 outperforms prior FICO® Scores in Mexico, offering the precision you need based on a proven blueprint as well as broadens financial inclusion.
FICO® Extended Score 4
FICO® Extended Score 4 can score an additional 8 million consumers in Mexico through the inclusion of household-level data unique to our partner Círculo de Crédito.
‘FICO Drift’: What Is It, and What Causes It?
FICO® Scores rank-order the likelihood of borrowers’ credit repayment risk - the relationship between the FICO Score and repayment odds can and does shift
Critical Ingredient to Identify Healthy Mortgage-Backed Securities
FICO® Scores: A critical element in cash flow analysis for proper valuation.
Top 10 Reasons to Migrate to FICO® Score 10T
Leveraging FICO’s heritage of scoring expertise, FICO® Score 10T is built with trended credit data enabling a higher level of predictive power
FICO and Chelsea Football Club to Raise Financial Literacy in U.S.
Strategic partnership between Chelsea FC and FICO aims to make a positive impact on the communities where games are played
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
Top 5 Scores Posts of 2022: Steady FICO Score, BNPL and Alternative Data
2022 marked the first year in over a decade the average FICO Score did not increase, while the industry’s attention remained on topics such as alternative data and BNPL.
Cash Flow Data Can Improve Credit Access with an UltraFICO® Score
Among U.S. consumers who don’t have enough credit history to generate a traditional FICO® Score, over 15 million could receive an UltraFICO® Score
To Score or Not to Score?
Research explores the minimum amount of data required to build accurate, reliable credit scores
FICO® Score X Data
A consistent, predictive risk score using alternative data to help lenders expand their customer base with more confidence.
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