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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

Why the Insurance Industry Needs Decision Platforms

Insurance organizations must be able to easily drive efficiency, profitability, and customer-centricity, and decision platforms can help

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.

Open Banking: What's Next for the US & Canada?

There are clear financial and relationship benefits to open banking, and banks that act swiftly may get a competitive advantage

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

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

Shifting Customers from Branches to Digital Account Opening

FICO survey shows even digital-savvy customers still prefer to open accounts in branches - understanding their reasons can help you give them confidence in digital channels

A World Without FICO Credit Scores: What Was It Like?

Movement Mortgage’s Anna Benz discusses the importance of FICO Scores in the credit ecosystem

US Bankcards Industry Benchmarking Trends: 2024 Q2 Update

Credit card delinquencies are stabilizing in early buckets while consumers continue to spend

The Crucial Importance of Precision and Accuracy in Mortgage Lending

Six pivotal reasons why accuracy is paramount in credit scoring for mortgage loans

Winning at Digital Transformation:  Be First, Be Smarter, or Cheat

The outcomes FICO Platform clients are experiencing demonstrate that when you are faster and smarter than your competition, and deliver excellent results, you don't need to cheat

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