White Paper

Understanding the Risks of Multiple Credit Scores in Mortgage Lending

August 17, 2022

Competition among credit score providers is heating up, with increased focus by regulators on expanding equitable access to credit for consumers with little or no credit experience. Dr. Clifford Rossi presents an empirical analysis of how to assess alternative credit scores and understand their impact on credit risk, profitability and efforts to expand credit to previously unscorable consumers.