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

There are many possibilities for deposit promotions that provide multiple levers to deliver differentiated value for the customer and benefits for the bank.

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.

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