America is a consumer culture, and when we change what we buy-how we buy it- we will change who we are. For the credit consumer, change is in shifting the main emphasis, reorganization in needs, wants, spending and over extension. Consumers should concentrate on taking charge of their financial wellness. Healing the debt crisis and [...]

As a company that helps the nation’s largest banks and financial institutions assess credit risk, Fair Isaac is often asked to describe the credit use of a typical consumer.  In researching the answer, we discovered that consumers vary immensely in what types of credit they use and how they use it. By analyzing a large [...]