Determining the Next Best Action to Grow Customer Relationships
Next best action strategies and technology balance growth and risk for banks, while advancing customer relationships
Meet The 2025 FICO Decision Awards Winners!
15 companies recognized for successful innovation in AI, machine learning and decision management
The Role of the FICO® Score in the Mortgage Consumer Credit Risk Ecosystem
The FICO Score is a primary factor in determining consumer credit risk for mortgage originations, secondary market, and portfolio management with consumer and regulatory benefits
4 Key Ways to Drive Profitability With Overlimit Authorisations
Enhance your customer management strategies to boost enterprise revenue through overlimit authorisations
Predict Churn and Delinquency to Improve Telco Customer Retention
Here are 5 key steps that CSPs can take to predict rising churn and delinquency rates and improve telco customer retention
How the Resumption of Student Loan Delinquency Reporting May Impact FICO Scores
What student loan borrowers can do to help avoid negative impacts to their credit scores as the federal loan “on-ramp” period ends
Average FICO® Score in Canada Drops Two Points to 760
Modest reduction in the average FICO® Score in Canada as recent consumer credit trends continue
FICO’s Royalty Pricing, Role and Adoption in the Mortgage Industry
The royalty FICO collects for the FICO Score is the lowest among all other components commonly included in mortgage closing costs.
UK Card Payment Trends: Delinquencies Still Climbing
FICO UK Credit Report for August 2024 shows familiar card payment trends, but late payments are still higher than 2023
Optimizing Device Financing Sheds Cost, Drives Revenue
A data-driven optimization process expands opportunity, improves profitability, and reduces risk for communications service providers that offer device financing
How Digital Twins & Simulation Improve Credit Line Management
Business outcome simulation enables business users to simulate changes to strategy and quickly make informed decisions to help reduce risk and enhance profitability
Average U.S. FICO® Score stays at 717 even as consumers are faced with economic uncertainty
Inflation fatigue puts more borrowers under financial pressure
Are FICO® Scores the Same Around the World?
FICO is committed to creating the most effective credit score for each international market
UK Credit Card Payment Trends - Missed Payments Are Rising
Spending falls following typical seasonal patterns, although average balance is up 5.3% year-on-year and more customers miss payments
Credit Union Borrowers’ Average FICO Score Slightly Decreased over the Last 2 Years
Debt and missed payments continue to rise, contributing to a change in the average
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