Let the US credit score wars begin

Perhaps sensing an opening, fintech Plaid has also joined the fray. This week, it launched its own credit score service.

FICO Lets Lenders Bypass Credit Bureaus — What That Means for Mortgage Applicants

With FICO's new Mortgage Direct License Program, mortgage lenders can now buy FICO scores directly without going through the ...

What FICO's credit-score shakeup really means for home buyers

The mortgage system has relied on FICO as its sole credit-scoring model for decades to figure out how likely a potential borrower is to pay back a loan on time. That FICO credit score impacted not ...

Average FICO score sheds 2 points in 2025. Who's seeing the largest drop?

The national average FICO score fell, reflecting difficulties Americans face in staying financially afloat. See which group has dropped most.

Credit Scores Are Down—The Biggest One-Year Drop Since the Financial Crisis

The average FICO credit score fell in 2025—the largest drop since 2009—as student loan delinquencies returned after pandemic ...

FICO stock skyrockets 24%: what’s driving the rally and why analysts are split

FICO stock surges 24% as it bypasses credit bureaus with a new direct-to-lender licensing program for mortgage scores.

Here's What Happens When Your Credit Score Reaches a Perfect 850

Getting an 850 credit score might sound cool -- but is it necessary? Learn why getting a perfect score isn't as important as ...

Credit scores just plunged at fastest pace since Great Recession — how does your FICO compare to the new average?

Bankcard delinquency rates, for example, hit 11.7% this year, only 2% shy of the Great Recession peak. Meanwhile, credit card ...
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Credit bureaus fall sharply as FICO launches direct-to-lender score program

The move comes as competition with VantageScore (VS), the model backed by all three credit bureaus, intensified after the ...