Fair Isaac Corp信用评分变化为抵押贷款行业增添不确定性

投资观察
Oct 02

UBS分析师表示,Fair Isaac Corp的新信用评分交付系统允许经销商绕过信用机构直接向客户提供FICO评分,这将降低抵押贷款行业的透明度。

分析师称:"我们认为这一变化为该行业增加了相当大的不确定性,而该行业已经在一系列潜在监管变化中经历了高度波动。"

目前仍不清楚这一变化将如何影响Fair Isaac Corp用于生成评分的数据集采购,这些数据集"由Fair Isaac Corp旨在取代的信用机构提供"。

根据信用机构拥有的信用评分模型VantageScore的反应,这一变化可能会影响竞争格局。

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