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Business News

New Credit Models Expand Access But Don’t Guarantee Mortgage Approval

New credit scoring formulas like VantageScore 4.0 and FICO 10T are poised to give tens of millions of Americans a credit score for the first time, thanks to expanded data and “trended” payment history. But experts warn that having a score doesn’t automatically translate to being approved for a mortgage. Lenders will ultimately decide which model they use, and fundamentals such as lowering balances, correcting report errors, and maintaining strong habits still matter far more than the algorithm itself. While some worry that more lenient scoring could spark risk in the housing market, analysts emphasize that today’s stricter lending standards and guardrails make a 2008-style collapse unlikely.

AI Drives Record-Setting Black Friday Spending

American consumers leaned heavily on AI tools this Black Friday, pushing online sales to an all-time high of $11.8 billion. U.S. shoppers increasingly used AI-powered assistants to compare prices, find deals, and simplify gift discovery, contributing to an 805% surge in AI-generated traffic to retail websites compared with last year. Adobe data shows nearly half of shoppers have already used or plan to use AI for holiday purchases, helping fuel the 9.1% jump in online spending and extending the momentum from Thanksgiving’s own record-setting $6.4 billion in sales.

What We’re Reading

BREAK THROUGH THE HOLIDAY NOISE

How reaching consumers with contextual relevance during peak holiday moments drives performance.

Ready or not, the holiday season is underway. For marketers, that means the pressure to deliver is on — but generic avoidance strategies are no longer cutting it.

In "Break Through the Holiday Noise," Integral Ad Science (IAS) helps marketers navigate the busiest shopping season of the year with confidence, providing insight into what content to target, what to avoid, and when’s the best time to show up in front of your audiences. 

The holiday season only comes once a year — make every impression count.

Tip of the Day

Audit your bottleneck.

Ask: What’s the one thing slowing growth right now? Fixing that is more valuable than adding anything new.