2015 Credit Risk Origination 
FICO
NOVEMBER 15, 2017
Original module design inspired by Sternberg et al. Most of the time traits are not measured in just one exercise within the EFL credit assessment but in many across the assessment. These two examples show intuitively how different insights from an applicant can actually be used to predict credit risk.
FICO
JUNE 26, 2020
Analysis of FICO® Resilience Index data by Tom Parrent, former chief risk officer for Genworth Financial, shows that from 2010 to 2015, nearly 600,000 additional mortgages could have been originated to consumers with FICO® Scores between 680 and 699, had the FICO® Resilience Index been available to lenders at the time.
Fintech Labs Insights
SEPTEMBER 16, 2015
This post is part of our live coverage of FinovateFall 2015. CreditHQ takes data from major credit data suppliers and uses that to allow small businesses to check the credit status, payment performance, and financial health of the companies they invoice. Product Launch: January 2015. HQ: London, UK.
FICO
FEBRUARY 25, 2019
After a 2018 that had its highs and lows, what might 2019 have in store from a credit risk management standpoint? Here are three key developments in credit scoring that we will be keeping an eye on in the new year: Consumer-Contributed Data Takes Center Stage. Risk in Bankcard Originations on the Rise.
FICO
DECEMBER 8, 2022
FICO® Scores, often an important contributor to underwriting risk management strategies, are designed to provide valuable risk rank-ordering through all economic cycles. Figure 1: Auto finance account origination default rates by FICO® Auto Score 8, Oct 13-Oct 15 and Oct 07-Oct 09 versus a theoretical 3% default rate cut-off.
PYMNTS
DECEMBER 10, 2016
When all the shares were accounted for, Lending Club’s original IPO managed to pull in more than $1 billion — slightly beating expectations and making it the seventeenth-largest U.S. Loan originations were down, and defaults were higher than expected. The Billion-Dollar IPO. IPO of the year. The Trouble With “Not Being A Bank”.
FICO
MAY 25, 2021
FICO® Resilience Index is designed to continue to rank-order borrower resilience during benign periods, resulting in greater portfolio resilience and differentiated credit risk performance observable during periods of economic stress. Figure 3 shows auto finance performance through the benign economy of October 2013 to October 2015.
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