FICO® Score Credit Insights, Fall 2025 Edition
A comprehensive first-edition report analyzing credit trends for the U.S. economy, offering actionable insights for lenders, investors, and policymakers.
FICO® Score Credit Insights: Trends and intelligence for the credit economy
The FICO® Score Credit Insights report is a biannual publication designed to be the definitive source for credit score benchmarks and insights into the U.S. credit economy. Drawing from proprietary analytics of quarterly credit data and a FICO-sponsored consumer survey, this report delivers a comprehensive view of U.S. consumer credit health, awareness, and behaviors – both above and below the surface.
Key features for this edition
- Both macro and segmented trends in FICO® Score averages and distributions, with statistical stratification by product, geography, and credit segment
- Insights into payment hierarchy and behavioral drivers that influence credit health and scores
- Trends impacting credit scores (e.g., Student Loans)
- Consumer perspectives on credit literacy and credit activity, helping to contextualize the data with real-world sentiment
- Forward-looking trends to watch – equipping lenders, investors, and policymakers with the foresight to adapt strategies in a dynamic credit landscape
- Market trends in mortgages, auto, bankcards, and personal loans
FICO® Score Credit Insights Report
Discover key U.S. credit trends —download the current FICO® Score Credit Insights report for essential insights and benchmarks
Connecting consumer voices to credit trends
By featuring a recent consumer poll, the FICO Score® Credit Insights report anchors data to real-world experiences, bridging statistical trends and consumer behavior to empower smarter financial decisions.
%
of Americans actively worked to improve their financial health over the past year
%
of Americans say continuous credit monitoring provides them peace of mind
%
of Americans are prioritizing maintaining or enhancing their credit scores in 2026
Credit insights history
Review past FICO® Score Credit Insights reports to see how credit market dynamics are evolving.
Driving growth and inclusion with data insights
FICO® Score Credit Insights Lab empowers lenders to drive financial inclusion, responsible lending, and innovation. The Lab offers advanced analytics and interactive tools, helping institutions build inclusive credit strategies, benchmark performance, and identify growth opportunities. Lenders can explore new scoring models, develop more inclusive risk management and pricing strategies, and make informed, responsible credit decisions. Register to access expert guidance and resources tailored to accelerate business objectives and foster sustainable portfolio growth.
Related products and services
FICO’s solutions use trusted traditional credit and alternative data sources to enable lenders to expand financial inclusion safely and responsibly.
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FICO® Score Credit Insights: Trends shaping the U.S. credit economy
Gain timely analysis of consumer credit trends, score distribution shifts, and economic factors influencing portfolio growth and risk management.