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Credit Scoring Models

Credit Invisible

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Statistics indicate that roughly one in ten consumers is considered “credit invisible,” meaning they lack any credit history recognized by major credit bureaus like Equifax, TransUnion, and Experian. While it was once believed that having no debt was advantageous, this perspective has changed. Credit Invisible vs. Credit Unscoreable It’s important to differentiate between being credit … Read more

Enterprise Credit Score and Credit Reports Initiative Update

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A lot of questions have been circulating through the industry around the proposed changes to Credit Score Models that were announced by the Federal Housing Finance Agency (FHFA) in October 2022. In March, Fannie Mae created a “Partner Playbook” that covers a lot of detail regarding the upcoming changes. The Playbook was just revised in … Read more