Scorenomics Blog

Do credit building products need skin in the game?

Hutch Carpenter | August 31, 2022

In an outstanding article, Fintech Is Breaking the Credit Bureaus, Alex Johnson and Kevin Moss (former SoFi Chief Risk Officer) diagnose ...

Do credit building services work?

Hutch Carpenter | August 11, 2022

If you were ask someone why they signed up for a credit building service, what would you expect the answer ...

A curious case of selective credit bureau coverage

Hutch Carpenter | August 4, 2022

“Do FICO Scores Consider Telco and Utility Data?” asks the FICO blog. Joanne Gaskin, Vice President of Scores and Analytics ...

Drivers of credit-building product adoption

Hutch Carpenter | July 27, 2022

In a previous post on credit-building products, I talked about how consumers can fight back against the hair-trigger nature of ...

Combating the hair-trigger decline of credit scores

Hutch Carpenter | July 12, 2022

Credit building services are geared toward helping consumers with their credit history. They could be solutions for this: consumers who ...

Impact of Credit Building Services

Hutch Carpenter | June 24, 2022

Credit building is undertaking steps to establish a consumer score, or to improve one that already exists. It’s a concept ...

Maximizing coverage in credit underwriting

Hutch Carpenter | February 10, 2022

In the post-credit report lending world, the name of the game is maximizing coverage in credit underwriting. Creditors work hard ...

What’s next in credit underwriting

Hutch Carpenter | January 25, 2022

Credit underwriting has undergone a quiet revolution in recent years. We’re seeing expansion of data sources beyond the ubiquitous credit ...

Using alternative data to approve declined applicants

Hutch Carpenter | August 19, 2021

In the prior blog post, Finding good customers amongst bad credit scores, we talked about using alternative data to identify ...

Finding good customers amongst bad credit scores

Hutch Carpenter | August 5, 2021

Let me try something here. I’m going to write down a bad credit score, and you tell me the odds ...

Early post-pandemic finding in collections

Hutch Carpenter | May 26, 2021

When COVID-19 became a nationwide pandemic in 2020, the economy took an immediate, significant hit as businesses everywhere shuttered as ...

Three reasons collections should underwrite delinquent customers

Hutch Carpenter | April 15, 2021

Underwriting is the foundational process for lenders. It determines whether to extend credit at all, how long the credit should ...

What does empathy mean in collections?

Hutch Carpenter | April 7, 2021

American Banker hosted a webinar on April 5, 2021: Deliver Empathy at Scale: How Banks Are Rethinking Digital Customer Journeys. ...

CFPB’s 2020 Collections Report to Congress

Nicolas Jofre | March 25, 2021

On Monday, March 22, the Consumer Financial Protection Bureau submitted its Congressional report on the Administration of the Fair Debt ...

Using next best action to improve collections

Hutch Carpenter | March 18, 2021

Next best action is a concept originated by an Air Force strategist, John Boyd. Its roots are in the OODA ...

What you need to know about the stimulus

Nicolas Jofre | March 11, 2021

With new stimulus checks hitting Americans’ bank accounts as early as this weekend, this week, we’ve rounded up the top ...

Building for late payer’s idiosyncrasies

Nicolas Jofre | March 4, 2021

When we set out to collect money from late payers, our treatment strategies make a number of implicit assumptions. One ...

What collections product criteria are you using?

Hutch Carpenter | February 25, 2021

You lead your collections group. You sweat the daily cash collected. How are customer retention rates? You want your staff ...

Consumers prefer speaking to agents?

Nicolas Jofre | February 18, 2021

Scaling empathy Digital self-service collections has become a new frontier for financial institutions in the age of COVID. But could ...

Why giving money away to late payers makes sense

Nicolas Jofre | February 11, 2021

Creditors of all stripes spent much of 2020 bracing themselves for a delinquency tsunami as consumers dealt with the financial ...

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