The two-year decline in Russian’s credit health has stabilized. FICO and the National Bureau of Credit Histories (NBKI), Russia’s leading credit bureau, announced new figures showing that Russian borrowers’ credit repayment delinquencies remained stable from October 2013 to January 2014. This was the first time in 18 months that the country’s FICO® Credit Health Index did not decrease from the previous quarter. This is good news, but one quarter’s results do not make a trend, says FICO.As FICO did when the index was falling, FICO urges risk managers to carefully monitor origination practices, manage revolving credit limits carefully, and increase customer education. This is a market where many people have little experience of credit – help them understand what is expected of them as a borrower.