Opinion: BNPL in Credit Scores: A Win for Risk and Inclusion
If I were a subprime lender, I would be popping champagne bottles right now. Finally FICO, which produces the most widely used credit scores, has... read more »
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Blog
475 views
3 min read
If I were a subprime lender, I would be popping champagne bottles right now. Finally FICO, which produces the most widely used credit scores, has... read more »
Blog
3,366 views
3 min read
It may not be a tremendous leap to assume that people who have low credit scores also suffer from higher levels of depression and anxiety than... read more »
Blog
4,260 views
3 min read
More accurate, more inclusive credit scoring isn’t a zero-sum game when risk is concerned. That’s what FinRegLab’s new empirical study found when... read more »
Blog
2,805 views
3 min read
In 2015, the Consumer Financial Protection Bureau reported that more than 25 million Americans were credit invisible — meaning they did not have... read more »
Blog
10,450 views
3 min read
Two pilot programs using VantageScore’s new VantageScore 4plus™ model that leverages alternative open banking data showed significant... read more »
Blog
4,788 views
3 min read
FICO, the leading credit scoring company in the U.S., is launching two revised models this fall that include Buy Now, Pay Later (BNPL) loans.... read more »
Guide
11,754 views
9 min read
When you apply for any form of credit, whether that be a credit card, a mortgage loan, or an auto loan, it is almost a certainty that one or more... read more »
Blog
12,274 views
3 min read
Equifax is counting on personalization once again with the launch of its Optimal Path™ Interactive Score Planner. It helps consumers map the... read more »
Blog
6,512 views
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Keeta, a startup funded by former Google CEO Eric Schmidt, has collaborated with digital wallet provider Solo on a blockchain-based, native... read more »
Blog
7,095 views
3 min read
Oregon lawmakers passed a bill that would shield credit reports from medical debt preventing debt collectors, hospitals and clinics from... read more »
Blog
17,663 views
3 min read
Real-time cash flow information is the place to be right now, and Experian is anxious to lead the charge. Under the new partnership between... read more »
Blog
15,725 views
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Student loan borrowers who fell behind on payments once the pandemic pause was over are beginning to see the effects on their credit histories.... read more »
Blog
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More people in the U.S. are missing out on mainstream credit offerings due to rigid scoring systems that fail to capture the full picture of... read more »
Blog
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The recent announcement of a $23 million class action settlement writes a fresh chapter in the legal history of TransUnion, resolving allegations... read more »
Blog
23,958 views
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The majority of consumers are living with no room for mistakes, and many are one car repair or one medical bill away from economic ruin,... read more »
Blog
17,264 views
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The new Credit Repair Automate site is designed to place the user in command of a procedure that has long demanded expensive assistance. It has... read more »
Blog
17,196 views
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Use of VantageScore credit scores increased by a staggering 55% from 2023 levels to a new record of 42 billion scores delivered throughout the... read more »
Blog
14,456 views
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Credit unions differentiate themselves from large banking institutions through their membership structure, community-oriented services, and... read more »
Blog
23,902 views
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The newest version of the VantageScore model, Version 5.0, arrived on the market with a bundle of changes designed to make credit risk prediction... read more »
Blog
31,958 views
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Millions of Americans are encountering ever-increasing barriers to credit access, despite traditional credit scores improving. That is the... read more »
Blog
32,022 views
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The average U.S. FICO Score dropped to 715 in February 2025, marking a two-point decline since last April and signaling the first notable dip in... read more »
Blog
36,924 views
3 min read
The world of lending never stands still, particularly when it comes to verifying an individual’s identity. In the modern age, methods used to... read more »
Guide
36,162 views
11 min read
I’ve been financially well, and I’ve been stretched thin. Believe me, the former is so much more comfortable than the latter. Sure, there’s the... read more »
Blog
19,063 views
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When it comes to credit card holder archetypes, two sets of consumer groups exist: revolvers and transactors. Both are attractive to lenders, but... read more »
Blog
28,016 views
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Experian has introduced a game-changing tool for consumer lending: the Cashflow Score. In a move that signals the growing strength of open... read more »