信用评分动态：哪些因素正在影响评分以及为什么这很重要.pdf

1、Whats Moving the Needle and Why It MattersCredit Score DynamicsAtsuko WatanabeSenior Director,US Financial Services Research2 2026 TransUnion,its subsidiaries and/or affiliates.All Rights Reserved.2 2026 TransUnion,its subsidiaries and/or affiliates.All Rights Reserved.Financial services institution

2、s have had to find innovative ways to adjust their credit underwriting strategies while driving portfolio growth.However,several notable changes in the US market over the past five years have significantly impacted consumers credit scores and deteriorated their good-to-bad odds by credit score.This

3、score cut-off approach worked well historically because consumers credit scores remained relatively stable.The general practice in credit underwriting is to periodically adjust the score cut-off to maintain the target loss rate.2026 TransUnion,its subsidiaries and/or affiliates.All Rights Reserved.U

4、S Market Situation3 2026 TransUnion,its subsidiaries and/or affiliates.All Rights Reserved.Agenda3 2025 TransUnion,its subsidiaries and/or affiliates.All Rights Reserved.1.What are the recent score trends and why did they go up?2.Are scores coming back down?3.Given shifts in data and consumer dynami

5、cs,are scores still predictive?4.How do we manage consumer credit risk when their scores are changing?2026 TransUnion,its subsidiaries and/or affiliates.All Rights Reserved.4 2026 TransUnion,its subsidiaries and/or affiliates.All Rights Reserved.A credit score isA quantification that represents a sn

6、apshot of a consumers risk level based on their credit history at a particular point in timeA quantification that represents a snapshot of a consumers risk level based on their credit history at a particular point in timeA means to capture past credit information to determine the predictive characte