The national average FICO Score has steadily risen over the past decade

Criminals are using data breaches to create synthetic identities, which in turn are used to secure auto loans or other financial products.

For the first time, the average FICO® Score in the U.S. has reached 704, showing a steady upward trend in US credit quality.

FICO conducted a research project to see just how much lift unconstrained, state-of-the-art ML techniques might offer over the FICO Score.

Two of today’s hottest tech topics—cybersecurity and artificial intelligence (AI)––were well represented at recent conferences in insurance and banking, respectively: Advisen Cyber Risks Insights Conference and Bank AI Expo. Here’s my take.

FICO regularly tracks the national FICO Score distribution as an important gauge of US consumer credit behavior.