The Federal Housing Finance Agency’s interim “lender choice” policy introduces a dangerous precedent that increases adverse selection risk that will raise prices for consumers. 

An analysis by FICO data scientists has found that FICO Score 10T significantly outperforms VantageScore 4.0 in mortgage origination predictive power. 

Credit card data reveals many Canadians are struggling to pay off their monthly balances

Using FICO® Auto Score 10, Octane responsibly expands credit access and grows recreational financing by 36%.

How does progress in artificial intelligence stack up to the FICO credit score model?

This FICO World presentation highlights the vital importance of balancing customer care with collections success in a highly regulated environment

From 'I wish I knew' to 'I’m so glad I know': empowering consumers through financial literacy

Credit union lenders need to be mindful of balancing opportunity and risk with their credit decisions

New reporting of student loan delinquencies among key drivers of the downward shift of credit scores

Lenders can unlock a competitive advantage with enhanced credit line optimization in digital onboarding, as well as optimization in customer management and debt collection

The advent of Generative AI opens the door for more targeted and effective messaging when payments are late – learn about the benefits

How using FICO’s Innovation Lab can help future-proof for evolving economic conditions and credit risk decisions

Inappropriate comparisons between credit scoring models could threaten liquidity and consumer access to affordable credit

We have built a data science organization that prizes creativity and operationalizes innovation for demonstrable business benefit and positive customer impact

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