长期以来,FICO的信用评级在我们的生活中占有不成比例的重要地位。 90%的美国贷款人使用FICO来决定是否接受我们申请抵押贷款、汽车贷款或信用卡。 此外,它还用来计算我们可以借多少钱,以及如果我们的要求被批准,我们将必须支付的利率。

为了给债务人分配300至850分,金融情报办公室使用信贷局提供的信息。 那些一贯按时付款、几乎没有信用卡债务、没有负面的追讨行动、判决或事先申请破产的人得分最高。 错过付款、收到催收邮件或宣布破产都会使他们失去大部分积分。

事实证明,2008年金融危机期间,放款人所采取的风险管理措施严重不足。 新的贷款公司一直在尝试不同的信用风险评估方法,而我国主要银行则继续采用旧的评分方法。

虽然这些放款人没有完全停止使用FICO,但他们正在寻找额外的因素帮助他们做出更好的贷款决定。 以下是促使这些新贷款机构迅速寻找FICO替代方案的四大因素:

不使用信用卡:本月公布的一项调查显示,超过三分之一的30岁以下的成年人没有信用卡。 你必须有某种学分才能有学分。

过去,信用卡是大学书店外销售的进入点商品,在很小的时候就被用来建立(或破坏)信用。

由于2009年《信用卡法》对信用卡公司在大学校园广告能力的限制,新发行的信用卡数量减少了50%以上。 另一个因素是2008年大衰退对千禧一代产生重大心理影响。

这个时代的许多成员避免使用传统的信贷产品,而是为下一次金融危机存钱。

保持现金流:在金融危机爆发前的几年里,整个贷款行业都专注于信用评级。 如果你的分数很高,你可能借到几乎无穷无尽的钱。

然而,FICO主要评估你按时付款的能力。 如果你几乎可以无限期地获得信贷,你可以像许多人一样使用信贷来支付信贷。 很多贷款企业干脆无视收入,以信用等级代替偿还能力。 我们允许算法胜过常识。

医疗账单:任何接受过医疗的人都知道医疗账单的过程是多么的混乱。 谁欠谁的往往是不清楚的。

此外,医生经常在保险公司支付发票之前向代收货款机构发送发票。 正因为如此,4,300万美国人的信用档案中包含过期医疗账单。 由于医疗债务对信用等级产生负面影响,FICO表示,他们的新分数FICO9将如此。

然而,新的贷款机构很快意识到,它们的承销方式应该非常不同地对待医疗债务。

收款项目:-FICO不向结算收款账户的人提供奖励。 因此,收集机构发起了一项二级风险投资。 如果你和他们达成友好协议,收款机构将提供”删除付费”选项。

这意味着代收货款项目将从你的信用报告中删除。

这个系统一团糟。 此外,新的放款人意识到在收集物品的方式记录、分类和保存方面存在缺陷。 就连FICO也承认这些问题,并承诺与FICO9一起改善情况。

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