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征信动态:FICO改革信用评分机制

信用评分体系FICO近日推出了许多改革,这可能意味着消费者的信用分数会因此提高。银行、信用卡发行人、汽车贷款出借方和其他业务发行人通过这个评分体系来决定是否为客户发放贷款及收取多少利息。得分越高,意味着贷款买车和买房时有更优惠的条件。

FICO有哪些变化呢?具体说来有以下三个方面,超过九成的美国消费者都会因此受到影响。

■转到收账公司并得到偿还的债务将不会对消费者的FICO评分数带来不利影响。

■医疗债务将对评分的影响变小。FICO表示,如果你唯一的重大不良记录来自未缴纳的医疗债务,预计你的信用评分将上升25分。

■出台针对信用历史不足的个人的信用可靠度分析方法。

为什么会有这些变化?监管机构最近一直都在关注医疗保健债务。五月份,消费者金融保护局表示,消费者因医疗债务收到的处罚可能过于严厉。CFPB表示,医疗费与一些其他类型的债务不同,因为他们可能更加昂贵,或者产生于医疗服务提供者和保险公司之间的纠纷,可预测性并不高。

谁受到的影响最大?金融服务公司Bankrate的首席金融分析师Grag McDaniels说,许多消费者都将受益于此次改革,而对于已经有不良记录在案或者本来信用记录良好的人来说,此次改革关系并不大。

比如,对于身负医疗债务的消费者来说,675看似一个不错的FICO分数,700左右是良好,725则非常棒,但它们之间的差异很大。

根据城市研究所的一项研究显示,35%的美国人都在收账公司有债务和未付票据。

至于针对较少或没有信用记录的新分析办法,McDaniels表示效果还有待观察。他说,贷款人想对这些消费者有更好的了解,因为他们视其为潜在的客户,总想在借款前找到偿付率最高的那个。

这些更改什么时候才会生效呢?Fair Isaac公司希望贷款人能尽快使用到最新版本的FICO评分体系,预计最早投放时间应该就在今年秋季。

There are changes coming to FICO, a broadly used credit score, that may mean higher credit scores for many consumers. Banks, credit card issuers, auto lenders, and other businesses use those scores to decide whether to lend to consumers and how much interest to charge them. A higher score could get you better terms on loans for cars and homes.

What are the changes? Fair Isaac Corp., the company behind FICO, says there are three significant changes to its metric, which it says is used in 90 percent of US consumer lending decisions.

■ Debts that go to collections agencies and get repaid won’t count against a consumer’s FICO score.

■ Medical debts will have a smaller effect on the score. If your only major bad mark comes from unpaid medical debts, FICO says it expects your credit score to go up by 25 points.

■ A technique to analyze people’s creditworthiness if they don’t have much of a credit history.

Why are the changes happening? Regulators have focused on health care debts. In May the Consumer Financial Protection Bureau said consumers may be penalized too harshly for medical debt. The CFPB said medical bills are different from some other types of debts because they can be more expensive, unpredictable, and caused by disputes between medical providers and insurers.

Who will be most affected? Greg McDaniels, the chief financial analyst for financial services company Bankrate, says the change will help many consumers, but it won’t make a big difference if you already have bad credit or very good credit.

For consumers with medical debt, this could be the difference between a decent score of around 675 and a good one around 700, or a good score and a great one around 725.

According to a study by the Urban Institute, 35 percent of Americans have debts and unpaid bills reported to collection agencies.

As for the new technique focused on those with little or no credit history, McDaniels says its effect remains to be seen. He says lenders want to get a better read on such consumers because they see them as potential customers and want to know which are likeliest to repay loans.

When do these changes go into effect? Fair Isaac hopes lenders will use the newest version of FICO, which will be available in the fall.


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