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
iA Financial Automates Underwriting with FICO Platform
Using FICO® Platform, iA Financial is advancing toward 80% underwriting automation, improving efficiency, and enhancing its client and advisor experience in Canada.
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
How Vitality Fuels Customer Engagement & Loyalty
Vitality, a major healthcare insurer in the UK, shows how harnessing technology to personalize healthcare experiences can drive sustainable growth
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
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.
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
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