Your credit utilisation ratio is a simple percentage, yet it has outsized influence on how lenders and credit bureaus view your borrowing behaviour and creditworthiness.

Same car, same record — but double the insurance cost? Your credit score is the culprit. Learn what insurers see, plus 6 ways ...

Identity risk has become inseparable from credit risk. Before you can predict how someone will repay, you must be sure of who ...

Credit scores quietly shape the cost of everyday life, from the rate on a car loan to whether a landlord will hand over the keys. Yet some of the most widely repeated beliefs about how scores work are ...

Explore average credit scores among U.S. racial groups and discover factors creating disparities. Learn why some groups face ...

Despite a 65x TTM valuation, FICO's direct licensing model and minimal CapEx support robust EPS growth and bottom-line expansion. Debt-funded buybacks and high leverage pose risks, but fixed-rate debt ...

Still, 44% of BNPL users worry about how these loans could affect their credit score — and with good reason. Credit scoring ...

Learn how judgmental credit analysis influences bank lending decisions, focusing on lender judgment rather than credit scores. Ideal for small banks' credit evaluations.

Fraud detection is no longer enough to protect today’s financial ecosystem. As digital transactions increase, banks require ...

Our experts expect a mortgage market reset in 2026 with an uptick in originations, but warn lenders not to skimp on compliance even as the reins loosen.

Listen and subscribe to Stocks In Translation on Apple Podcasts, Spotify, or wherever you find your favorite podcast. The math behind your daily scroll might also be shaping your financial life.In ...