You don't need a perfect credit score to be financially stable -- or exceptional, for that matter. Here's a better number to aim for today.

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.

The promise of artificial intelligence in credit scoring is undeniable. By analyzing vast, non-traditional datasets from ...

The companies that buy up the majority of the country’s home loans will now accept a second credit scoring model for mortgages — a change that could help underrepresented borrowers qualify for ...

It was the only model recommended by Fannie Mae and Freddie Mac after extensive analysis in the credit-scoring initiative.

NEW YORK (AP) — Hundreds of millions of ‘Buy Now, Pay Later’ loans will soon affect credit scores for millions of Americans who use the loans to buy clothing, furniture, concert tickets, and takeout.

VantageScore is a credit scoring model that helps lenders make credit decisions when applicants apply for a loan or other ...

As you get familiar with your credit, you’ll quickly realize multiple types of scores exist. Although both FICO scores and ...

FICO has fired its latest shot in the credit scoring wars, launching a direct license program that promises to slash costs for lenders by cutting out credit bureau markups. But not everyone is ...

The FHFA announcement directs Fannie Mae and Freddie Mac to permit lenders to choose between two approved credit score models – Classic FICO and VantageScore 4.0 – for loans sold to Fannie Mae and ...