Creditworthiness news and trends

Cash Flow-Based Underwriting Adds Real-Time Context to FICO Score
Loans // May 24, 2024

The FICO score — what we might think of as the general “shorthand” for lending — was created back in 1989. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins...

Nearly Half of 2023’s Paycheck-to-Paycheck Consumers Had Super-Prime Credit Scores
Consumer Finance // December 19, 2023

Many people are resorting to credit cards to navigate difficult financial times, especially as the rising prices of goods and services continues to weigh on U.S. consumers’ wallets this holiday season.  Get the Full Story Complete the form to unlock this article and enjoy unlimited...

Apple Debuts Credit Improvement Program For Declined Card Applicants
Apple // June 29, 2020

Apple is launching a “Path to Apple Card” program intended to help declined Apple Card applicants improve their credit worthiness, according to reports. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no...

Regulators Support Alternatives To Assess Creditworthiness
Regulation // December 04, 2019

Federal banking regulators support using alternative methods to assess creditworthiness to help high-risk people get loans, The Wall Street Journal (WSJ) reported on Tuesday (Dec. 3).  Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS...

Quick Reads
Fannie Mae and Freddie Mac Ordered to Consider Crypto as Asset for Mortgages

June 25, 2025
Fannie Mae and Freddie Mac have been ordered to consider cryptocurrency as an asset for single-family mortgage loan risk assessments. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe to our daily newsletter, PYMNTS Today. By completing this […]

Apple Debuts Credit Improvement Program For Declined Card Applicants

June 29, 2020
Apple is launching a “Path to Apple Card” program intended to help declined Apple Card applicants improve their credit worthiness, according to reports. Get the Full Story Complete the form...

Regulators Support Alternatives To Assess Creditworthiness

December 04, 2019
Federal banking regulators support using alternative methods to assess creditworthiness to help high-risk people get loans, The Wall Street Journal (WSJ) reported on Tuesday (Dec. 3).  Get the Full Story...