How Credit Line Decreases Can Affect FICO® Scores
Recent FICO analysis shows that approximately 16 percent of the U.S.
population experienced a reduction in total revolving credit between April 2008 and October 2008. For
perspective, the great majority of U.S. consumers (approximately 80 percent) had no risk trigger posted to their
credit reports between April and October 2008. When lenders reduced the amount of credit available to
people whose credit reports had no recent risk triggers, lenders were targeting borrowers with inactive or low-
balance card accounts. On average, this population already tended to be very low-risk. Read
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