Fair Isaac Corporation reports developments in credit scoring, applied analytics software and digital decisioning for lenders and other enterprises. The company is known for the FICO® Score, a consumer credit-risk measure used by top U.S. lenders and made available in other countries, and it generates news around modern score models such as FICO Score 10T, mortgage-risk analysis, and credit-card market data.
Recurring updates also cover the company's Scores and Software segments, including B2B and B2C scoring solutions, FICO Platform, Falcon Fraud Manager, Customer Communication Services, decision optimization, customer deployments, earnings releases, investor presentations and capital-market communications.
FICO (NYSE: FICO) announced that United Wholesale Mortgage reaffirmed its commitment to using FICO Scores across all broker-lending credit pulls.
UWM uses FICO Scores alongside other eligible scoring models in its credit evaluation process. UWM said its goal is to improve borrower affordability while making it easier for brokers to do business. Separately, participating lenders in the FICO Score 10T Free Access Program receive Score 10T alongside the Classic FICO Score through dual processing, at no additional fee from FICO.
FICO (NYSE: FICO) published research showing rising fraud complexity and challenges integrating artificial intelligence at financial institutions across Europe, the Middle East and Africa.
The global survey covered 202 senior fraud, risk and technology professionals. Among EMEA institutions, 52% cited increasing fraud complexity as their leading prevention challenge, versus 40% globally, while 48% ranked effective AI integration as a top challenge. Fraud attempts rose more than 25% over the past 24 months at 36% of EMEA institutions; 28% reported fraud losses growing more than 25% over the past two years. Meanwhile, 51% reported false positive rates above 15%, meaning legitimate activity was flagged as potentially fraudulent.
FICO (FICO) announced it has been named a Leader in the IDC MarketScape: Worldwide Decision Intelligence Platforms 2026 Vendor Assessment.
The recognition highlights FICO Platform’s strengths in stateful, real-time profiling, an expanding ecosystem and marketplace, and agentic policy authoring. The platform is described as embedding governance into the decision layer, enabling enterprises to turn AI model outputs into governed, explainable actions at scale. IDC’s assessment notes that as generative and agentic AI play a larger role in decision-making, Leaders are those that keep decisions governed and explainable without slowing business operations.
FICO (FICO) reports that UK credit card spending fell 2% month-on-month in July 2026 to £815, while the average active balance rose 0.4% to £1,980, a record high for the second consecutive month and 4.7% higher year-on-year.
The percentage of balance repaid improved 0.9 percentage points to 33.6% month-on-month but remained 3.6% lower than a year earlier. One, two and three-cycle delinquencies all increased month-on-month, with accounts missing one payment up 11.5% to 1.5% of accounts, two missed payments up 0.7% to 0.3%, and three missed payments up 9.6% to 0.2%, alongside year-on-year rises in each category. Average credit limits edged up to £5,995, while overlimit accounts fell 3.4% month-on-month.
FICO urges issuers’ risk teams to maintain close monitoring, focus on early intervention for one-cycle delinquencies, and assess the impact of new FCA Buy Now Pay Later affordability rules, which could shift declined BNPL spending onto credit cards.
FICO (FICO) released its 2025 European Fraud Map showing that UK card fraud losses rose just 2% year-on-year to £594.9 million, remaining below the 2019 peak of £620.6 million.
Across Europe, card fraud losses reached a record €1.69 billion, with several countries such as Norway, Sweden, Poland, Hungary and Greece experiencing losses up 15% or more. In the UK, Card-not-Present fraud increased from £412.5 million in 2024 to £423.5 million in 2025, while ID fraud losses fell 12% to £54 million and Card Lost or Stolen losses slipped from £111.7 million to £109.8 million. FICO highlights evolving social engineering tactics and promotes AI-based tools such as Scam Signal and FICO Falcon Fraud Manager to help banks detect and prevent fraud across the customer journey.
FICO (FICO) reports that FICO Score 10T will be available for use by FHA-approved mortgage lenders starting January 1, 2027. The model uses trended credit and rental payment data to give a more comprehensive view of borrower behavior over time. Independent analyses cited by the company find FICO Score 10T more than 10% more predictive than competing models on FHA first-time homebuyer mortgages, with an even larger performance gap during periods of higher default rates.
FICO (FICO) is launching the fourth annual FICO Educational Analytics Challenge for the Fall 2026 semester in partnership with the HBCU Data Science Consortium, returning to Alabama A&M University, Dillard University, Morehouse College and Fayetteville State University.
The program gives HBCU students hands-on experience building AI and machine learning models. This year’s challenge focuses on cybersecurity, asking students to design intrusion-detection systems capable of identifying network attacks such as denial-of-service, botnets, ransomware and crypto mining. FICO’s chief analytics officer, Dr. Scott Zoldi, and company data scientists will provide weekly instruction and mentorship, while FICO also supplies financial grants and career-development resources to support participating universities and students.
FICO (NYSE:FICO) released its Fall 2026 FICO® Score Credit Insights report, showing the average U.S. FICO Score holding steady at 714, unchanged from October 2025 and down one point year-over-year. According to FICO, overall delinquency trends are stable or improving, with early-stage mortgage delinquency easing from 1.42% to 1.35% and auto 30‑day delinquency at 2.6%. However, affordability pressures remain, as the average first-time homebuyer payment reached $2,563, up 57% since 2019. Lower-scoring borrowers face disproportionate strain, with mortgage balances for scores below 620 up 43% and auto balances for the lowest scores up 36% since 2019. FICO also highlights diverging student-loan outcomes and strong credit engagement, with 84% of Americans prioritizing their credit score for 2027, despite persistent knowledge gaps and rising use of Buy Now, Pay Later services.
FICO (NYSE: FICO) released its UK Credit Card Market Report for June 2026, showing rising spending and balances alongside weaker repayment behavior. Average monthly credit card spend rose 5.6% month-on-month to £835, while the average active balance increased 1.4% to a record £1,975, 4.7% higher than June 2025.
The percentage of balance paid fell to 33.3%, down 2.4% month-on-month and 4.4% year-on-year. Year-on-year, accounts with one, two and three missed payments rose 7.7%, 9.1% and 14.3% respectively, with higher average balances in each delinquency bucket. Average credit limits reached £5,985, up 2.0% year-on-year, and payment rates stayed near pre-pandemic lows. FICO highlights persistent affordability pressures and urges risk teams to maintain heightened monitoring and pre‑delinquency interventions.
FICO (NYSE: FICO) announced that Informative Research, a technology provider of credit and verification solutions for lenders, has joined the FICO Mortgage Direct License Program. The program lets participating tri-merge resellers generate and deliver FICO Scores to lenders, aiming to increase choice, transparency and pricing flexibility in mortgage lending.
According to FICO, Informative Research’s participation expands a partner network that now represents 73.1% of total mortgage reseller volume. A formal update will be provided once the solution is commercially available.