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L M
9 months ago
added featured whitepaper
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Assessing the Risks: Different Credit Scoring Models and Impacts on the Mortgage Market

This independent research report shows why minimum scoring criteria adds reliability to a credit score and how removing it makes the credit score both less predictive and in the long run more costly for everyone. Kroll analyzed the credit failure rate over a two-year period across a data set of 40 million credit scores from individuals who had either a FICO Score or an alternative score in which FICO’s minimum scoring criteria are not used. 
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M S

a Director the Operations

1 year ago
added featured whitepaper
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Measuring consumer resilience to economic stress using the FICO® Resilience Index

FICO - FICO Scores are designed to rank-order the expected future payment performance of consumers’ credit obligations based on their observable credit bureau attributes, irrespective of the economic environment. Lenders may calibrate FICO Scores based on their own loan portfolios’ recent performance to predict the odds of satisfactory payment performance. However, disruptions to the economic environment can change these repayment odds in a way that differs from a lender’s calibrated estimates, leading to discrepancies between predicted and actual future default odds, and therefore to sub-optimal decisions and analysis results. Such disruptions reveal “latent risks” across portfolios that only manifest themselves during periods of economic stress. Read the white paper to learn more.

Authored by: FICO
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M S

a Director the Operations

1 year ago
added featured whitepaper
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FICO® Score 10 and FICO® Score 10 T Model Performance Assessment

FICO - Prospective borrowers will receive an improved chance of loan approval with FICO’s newest scores. The study also explains how trended data will help some borrowers qualify for more favorable terms and shows how, even with the improvements offered by the newer models, Classic FICO® Score continues to offer a reliable baseline assessment of credit risk.

Authored by: Milliman
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M S

a Director the Operations

1 year ago
added featured whitepaper
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FICO Resilience Index: A New Tool for More Precise Lending, Risk Management and Housing Policy

FICO - We examine eight use cases for FICO Resilience Index within the home mortgage industry. From capital planning to risk management to housing policy, the additional information provided by the index helps the industry improve their analytics to create more finely targeted strategies. Read the paper to learn more.

Authored by: Tom Parrent
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M S

a Director the Operations

1 year ago
added featured whitepaper
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Understanding the Risks of Multiple Credit Scores in Mortgage Lending

FICO - Competition among credit score providers is heating up, with increased focus by regulators on expanding equitable access to credit for consumers with little or no credit experience. Dr. Clifford Rossi presents an empirical analysis of how to assess alternative credit scores and understand their impact on credit risk, profitability and efforts to expand credit to previously unscorable consumers.

Authored by: Dr. Clifford Rossi, Chesapeake Risk Advisors, LLC
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