Is Default causing DOWN FICO Score Trend?

是违约引起了信用分数下降的趋势么？

Mr Fico is gaining record popularity ratings.

菲科先生正在赢得破纪录的民众支持率。

There are a number of ways to check your FICO rating also.

有很多的方法来检查您的菲佐评级也。

It appears the FICO Score DOWN trend is a gradual process.

这意味着信用分数下降状态是一个渐进的过程。

How do you make sure that your FICO credit score is correct?

你如何确保你的信用信用评分是正确的呢？

You need to check your credit report and FICO score regularly.

你需要检查你的信用报告，以及你FICO的固定得分。

They are also looked down upon by your FICO credit score and other lenders.

他们也看不起你的信用信用评分，其他放款。

As I am not from the US, I had no idea what FICO meant before researching it.

由于我不是来自美国，我不知道的FICO前研究它的意思。

In any case, if you have no credit history, your FICO score is likely to be low.

在任何情况下，如果没有你的信用历史，你的信用评分很可能较低。

While the FICO score is stable, the interest rate is much higher for higher DTI.

FICO分数基本稳定的情况下，DTI越高利率也就越高。

Yet both reasons for foreclosures have the same impact on a borrower's FICO score.

这两个原因产生的强制性拍卖抵押对于借款者的FICO积分会产生相同的影响。

We can assume that the default by itself didn't cause the drop in FICO Score Trend.

因此我们可以得出这样的结论：违约风险并不会引起信用分数下降的趋势。

Applying for new credit affects two of the FICO score categories in a negative way.

申请新的信贷会对两项FICO评分产生不利影响。

Preserving your FICO score, and improving it, is not difficult, but it may take time.

维护你的信用评分，并加以改进，是不是很难，但可能要花一段时间。

The default risk increases 6.76 times for borrower with FICO Score of 664 versus 829.

信用得分为664的借款人相比得分为829的借款人其违约风险增长了6.76倍。

The average FICO credit score is 775, which makes the borrowers beacons of creditworthiness.

这些借款人的平均FICO信用评分是775分，从而就确保了借款人的良好信誉。

An updated version of the FICO model, to reflect the subprime crisis, was released last year.

去年，为了反映次贷危机，FICO模型发布了更新的版本。

In previous blog posts, we have explored the nature of FICO and credit scores in general.

在之前的博文中，我们对FICO信用和信用积分进行了一般探究。

So get copies of your FICO credit scores and credit reports from any of the three bureaus.

因此，得到的副本您菲佐信用分数和信用报告，从任何三个局。

The default trend is not surprising; lower the FICO score, higher the chances of defaults.

这种趋势并不让人惊讶：信用得分越低，违约可能性就越高。

If your only major bad mark comes from unpaid medical debts, FICO says it expects your credit score to go up by 25 points.

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。

But Andrew Jennings of FICO, the company behind America's FICO credit scores, reckons that 25-30% of defaults are now premeditated.

但FICO(美国FICO信用评分的发布者)的安德鲁•杰宁斯(Andrew Jennings)认为，现在有25—30%的违约是有预谋的。

The chart below shows the percentage of loans with loan status of Default and Fully Paid for each Original FICO Score Range of borrowers.

下图展示了不同原始信用分数的借款人的违约和全额支付两种状态的贷款所占比例。

The chart below shows the percentage of loans with status of Default and Fully Paid with the magnitude of change in borrowers' FICO score.

下图展示了违约和全额支付在信用得分趋势为上升、下降、持平不同状态下所占的比例。

Some of these variables that we have discussed here include FICO score, derogatories, public filings, state, homeownership, years of employment and the list goes on.

我们在此讨论的一些变量包括FICO得分，不良借款信息，公共文件，所在州，房产，受雇年限等等。

The availability of data is so great that you can research Debt Consolidation loans for ca borrowers for 750 FICO scores for loans that were originated on a Tuesday.

数据的有效性十分重要，你可以研究在周二发放，且限定于FICO分数为750的CA借款人的债务重组贷款。

The U. s. plans with the anti-missile shield divide NATO, Fico said, adding that the system is not yet fully developed and that it is even unreliable in certain respects.

菲格说美国计划用反导防御网来隔开北约，又补充说这系统还不完善，甚至在某些方面还不可靠。

To test for this caveat intuitively, we decided to plot the percentage of loans with UP, DOWN, and FLAT FICO Score Trend for different Original FICO Score and loan Status.

为了直观的解决这种争议，我们决定在不同的原始信用分数和贷款状态下展示上升、下降、持平三种趋势所占的比例。

It is very common for small business lenders to obtain personal guarantees from the owners of the business and to report their personal FICO scores in conjunction with the loan.

小企业贷款人一般很容易获得公司所有者的个人保证，然后再将这个个人FICO分数上报给贷款机构。

Figures provided by FICO Inc. show that 25.5 percent of consumers - nearly 43.4 million people - now have a credit score of 599 or below, marking them as poor risks for lenders.

由美国个人消费信用评估公司(FICO Inc。)提供的数据显示，25.5%的客户，接近4330万人，现在的信用积分等于或低于599，这使他们变成了放贷机构的亏空风险。