MaxDecisions released a comprehensive analysis examining COVID-19’s impact on personal credit across the United States, working for months with a national credit bureau to sample millions of Americans across the full credit spectrum.
The study analyzed consumer behavior and credit health from April 2019 through August 2020, spanning pre-pandemic and pandemic periods, and found that consumer spending behavior and FICO score movements diverged from initial expectations.
MaxDecisions invited industry feedback on the findings, encouraging banking and lending professionals to contribute perspective for continued analysis of this historic economic event, with the full white paper available for download.
© 2026 MaxDecisions, LLC. All rights reserved.