Analytics firm develops alternative to credit scores

Digital Risk argues that credit scores such as FICO failed to predict large numbers of defaults during the mortgage bust years.

 
By KENNETH R. HARNEY | Published: August 18, 2012   

WASHINGTON — Do you ever get the feeling that your credit score doesn’t adequately portray your true risk as an applicant for a home mortgage?

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If your FICO score is a subpar 690 but you know that you are a solid candidate for a loan, do you think that lenders’ heavy dependence on credit scores is unfair to you as an individual?

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