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Gathering and analyzing these new forms of data to build new credit scoring models allows lenders to make better decisions and extend credit to these consumers within their creditrisk guidelines. FICO is a longtime leader in incorporating available data into our credit scoring models.
Q: Dale, to start with, can you provide a little background on your business motivation as a creditrisk executive for exploring the value of consumer-permissioned DDA data? Dale is a featured panelist at FICO World 2023.
Johnny Ayers, co-founder and SVP of Business Development for Socure , argues that being able to have a traditional savings account or demanddepositaccount (DDA) is a basic financial right that should be afforded to all.
Ethan Dornhelm wrote: The FICO® Score is the lingua franca, or common language, for the credit scoring industry. It serves as a broad-based, independent standard measure of creditrisk. Telco and utility payment data , similar to credit bureau data is generally reported on a monthly basis.
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