Is Default causing DOWN FICO Score Trend?
是违约引起了信用分数下降的趋势么？
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。
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。
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。
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 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。
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。
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。
One caveat to the above observation may be that when loan defaults, typically such events are reported on borrower's credit report which in turn results in lowering of FICO score for the borrower.
上述观察产生了一个警示：当贷款违约，特别是这类事件被披露在借款人的信用报告中时，这份报告反过来又降低了借款人的信用分数。
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。
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。
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。
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。
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