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Predicting Strategic Default

Insights - New analytics identify customers likely to walk away from their mortgages, even when not yet delinquent

White Paper

Strategic defaulters—consumers who can afford to make mortgage payments but proactively decide not to do so—are a top industry concern. Servicers still struggling with unprecedented levels of mortgage delinquencies and defaults are suddenly faced with another problem: customers traditionally considered “a sure thing” are becoming increasingly risky. In fact, recent FICO data shows that mortgage default risk for consumers with high FICO® Scores now exceeds their credit card default risk.