SABF brings together consumer advocates, credit educators and community leaders to help consumers learn about credit scores and financial tools to help them achieve their dreams.

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.

This blog explores the role credit scores have in the mortgage lending and automated underwriting process. This is particularly important for conforming mortgages or mortgages sold to government-sponsored enterprises (GSEs).

Can scoring trended data, or more accurately, trended credit bureau data, as some credit score companies claim, actually help expand credit access to these consumers?

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