Canada Bankcard Industry Benchmarking Trends: Q1 2025
Credit card data reveals many Canadians are struggling to pay off their monthly balances
Octane Grows Lending by 36% with FICO Auto Score 10
Using FICO® Auto Score 10, Octane responsibly expands credit access and grows recreational financing by 36%.
Evolving Landscape of Machine Learning Relative to the FICO® Score
How does progress in artificial intelligence stack up to the FICO credit score model?
Navigating Risk Management with Machine Learning
The Santander US Auto business, one of the largest auto lenders in the U.S., has won a 2025 FICO® Decisions Award for its use of machine learning
Building Financial Literacy Through Credit Education
From 'I wish I knew' to 'I’m so glad I know': empowering consumers through financial literacy
Credit Union Borrowers Use and Seek Credit More Than National Bank Borrowers
Credit union lenders need to be mindful of balancing opportunity and risk with their credit decisions
Student Loan Delinquencies Lower the Average FICO Score to 715
New reporting of student loan delinquencies among key drivers of the downward shift of credit scores
5 Steps to Strengthen Credit Risk Strategy for Lenders: A How to Guide for Institutions of All Sizes
How using FICO’s Innovation Lab can help future-proof for evolving economic conditions and credit risk decisions
FICO Fact: Is a 700 FICO Score the Same as a 700 VantageScore?
Inappropriate comparisons between credit scoring models could threaten liquidity and consumer access to affordable credit
Reflections on Innovation: 101 AI and Software Patents Granted
We have built a data science organization that prizes creativity and operationalizes innovation for demonstrable business benefit and positive customer impact
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
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.
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