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CFPB study shows alternative credit models lead to more loans, cheaper loans
Aug 08, 2019For the better part of this decade, there’s been a serious push to get the GSEs to use newer credit scoring models that consider factors such as a person’s bank account history or utility payments when determining their creditworthiness. That movement all but ended last year, when the FHFA said that it will not be authorizing the use of any new credit scoring model for several years, but a newly released study from the CFPB shows that using alternative credit models will not only lead to more borrowers getting loans, the loans they get will be cheaper too.
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The 25 ZIP codes with the highest mortgage debt
Jul 24, 2019 -
Mortgages are now available for borrowers without credit scores
Jul 23, 2019 -
Equifax, FICO to partner to offer banks access to more consumer data
Mar 27, 2019 -
Experian offering higher credit scores in exchange for access to bank accounts
Dec 18, 2018 -
FHFA issues new rule effectively prohibiting Fannie and Freddie from using VantageScore
Dec 14, 2018 -
Here’s how you can get a perfect 850 credit score
Nov 26, 2018 -
DBRS: New FICO model will give big boost subprime borrower credit scores
Nov 12, 2018 -
Jim Wehmann explains the impact UltraFICO Score will have on consumers
Nov 05, 2018 12:00 am -
FICO: Student debt creates a pull on credit scores
Oct 30, 2018 -
Will new FICO model be key to increasing homeownership?
Oct 25, 2018 -
New FICO model could boost credit scores for millions
Oct 23, 2018
