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Credit Scoring Is Changing Due to Strategic Defaults. Your Super Prime Score Might be Dropping
As credit scoring companies get more and more experience with prime borrowers defaultingon their mortgages, they are starting to see things that might tip them off to a potential strategic default.  They are using these new indicators in their credit scoring algorithms.
Not only are borrowers who previously were rated outstanding credit risks far more likely to default today, she said, but many homeowners are defying long-standing credit industry assumptions by going delinquent on their first mortgage payments while continuing to pay their credit card balances and second mortgages on time. Strategic defaults, or walkaways, by high-score borrowers also have been an unexpected development, she said.
To adjust its statistical models to these new realities, VantageScore says it conducted intensive research on 45 million active credit files obtained from the databases of its joint venture partners,
They are rolling out these changes in January.  So it might be worth it to check you credit scores then.  It might not be as good as you think it is due to no fault of your own.  It really stinks, doesn't it. You might have a perfect credit record but due to some others who have decided to do a strategic default, you get ... more

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