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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 ...

Bankcard delinquency rates, for example, hit 11.7% this year, only 2% shy of the Great Recession peak. Meanwhile, credit card ...

As the “buy now, pay later” trend becomes more popular, it is having a greater impact on traditional lending and credit scores. If you are not familiar, buy now, pay later (BNPL) is a type of ...

The average FICO score dropped to 715 in April 2025, down from 717 in 2024, because of rising credit utilization and increased delinquencies. Student loan delinquencies surged after COVID-19 ...

Fair Isaac Corp. will now sell credit scores directly to mortgage resellers, a move that sent shares of third-party credit bureaus plunging.