This story was updated on April 7, 2026, to include additional clarification from a FICO spokesperson regarding its pricing structure, wholesale royalties, and the role of credit bureaus in tri-merge ...

Before we tell you how to get a free credit score, it’s important to know that all free scores and reports are not created equally. Most of these scores are merely estimates of your credit score. They ...

The K-shaped economy strikes again. A new report from the Fair Isaac Corp. (FICO), creator of the credit score most lenders use, shows that the average American’s FICO score is now down to 714—a ...

FICO (NYSE: FICO), global analytics software leader, today released its Spring ’26 edition of the FICO® Score Credit Insights report, showing the average U.S. FICO Score declined to 714, continuing a ...

Gen Z has seen the steepest decline in credit scores of any age group this year as student loans repayments, a tough job market, high inflation and fewer opportunities to build credit early hurt young ...

Credit scores are down, delinquencies are up and Gen Z is suffering the most from the credit crunch. These are some of the main takeaways from the recently released FICO Score Credit Insights report, ...

Last November, Fannie Mae announced it was no longer going to use credit report scores in underwriting decisions. Freddie Mac made the same decision long before Fannie did. The two organizations are ...