Credit Scoring
+ FollowCredit scoring is a key tool used by financial institutions to assess the repayment capacity and default risk of individuals and businesses, affecting the terms of loans, credit cards and other financing. TransUnion recently launched a next-generation scoring system, Cash App opened its scores to external lenders, and Experian introduced a ChatGPT-powered inquiry service. At the same time, changes to student loan programs, rising mortgage defaults and errors in debt-collection data continue to test scoring accuracy. As the use of AI and alternative data expands, data rights, model bias and legal liability warrant close attention.
Key Moments
6 selectedThe full history is split into 6 equal periods by event count, taking the most-covered story from each. Coverage rises and falls with the news cycle, so sampling period by period keeps the most recent events from taking everything.
Event Timeline
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