The rise of consumer-permissioned data in the U.S. promises to expand the credit landscape. 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...
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...
VantageScore unveiled a new credit-scoring model that uses both traditional credit data and alternative open banking data. 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...
Earnings season begins anew in just a few weeks, documenting the first few months of the year — and how the March quarter shaped up for all manner of enterprises. Get the Full Story Complete the form to unlock this article and enjoy unlimited free...
June 02, 2023
Credit card use is up, and card balances are increasing. 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 form, you agree to receive marketing communications from PYMNTS and […]
December 08, 2016
While credit scores, or the lack thereof, tell lenders a lot about consumers, the traditional credit scoring models don’t always provide a clear picture of risk. Sarah Davies, SVP of...
December 02, 2016
Promoting transparency in credit scores sounds like the ideal, but putting it into action is a whole other story. But as consumer behaviors and lending environments change, having confidence in...
August 24, 2016
The three credit reporting agencies (Equifax, Experian and Equifax), under a program called the National Consumer Assistance Plan (NCAP) are looking for ways to improve their methods of collecting, reporting...
August 25, 2025
Late-stage delinquency rates increased across all credit scores in July, compared to a year earlier, with the greatest percentage increases seen among the highest credit tiers, according to VantageScore. 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 […]
May 15, 2024
VantageScore unveiled a new credit-scoring model that uses both traditional credit data and alternative open banking data. Get the Full Story Complete the form to unlock this article and enjoy unlimited...
April 01, 2024
While the average American consumer remains “credit healthy,” some trouble spots are apparent. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to...
January 07, 2024
Americans ended 2023 dealing with increasing financial strain, relying more on personal loans. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to...
