FICO announced it will begin factoring Buy Now, Pay Later (BNPL) loans into scoring models. FICO, the creator of America’s most widely used credit-score system, will begin factoring Buy Now, Pay Later ...

Credit scores go up and down for a number of reasons. Here's what causes dips and why steady habits usually push it higher in ...

Last week, the Consumer Financial Protection Bureau (CFPB or Bureau) released its latest Supervisory Highlights report, focusing on the use of advanced technologies in credit scoring models. This ...

Your score is constantly changing because lenders regularly provide new information about you to the credit bureaus. For ...

Amid recent technological advances in artificial intelligence and machine learning, on January 17, 2025, the CFPB issued its Winter 2025 Supervisory Highlights: Advanced Technologies Special Edition.

Evan Zimmer has been writing about finance for years. After graduating with a journalism degree from SUNY Oswego, he wrote credit card content for Credit Card Insider (now Money Tips) before moving to ...

FICO said on Monday that it is going to incorporate buy now, pay later (BNPL) data into credit scores as the payment method surges in popularity. The FICO Score 10 BNPL and FICO Score 10 T BNPL will ...

Tala execs say proprietary data and adaptive underwriting could unlock lending for entrepreneurs shut out of traditional ...

Key insight: Experian combines credit, cashflow, trended, and alternative data into one underwriting score. Expert quote: Experian's Scott Brown suggests the model lets lenders "say yes" more often.

Paying off collections improves your finances, but what happens to the negative mark on your credit report?

Lenders now approve more low-credit applicants using cash-flow underwriting, alternative data, updated scoring models and ...