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.
Market Research
FICO’s bi-annual credit insights report is a trusted resource for credit score benchmarks and analytics, drawing from proprietary analytics of quarterly credit data and FICO-sponsored consumer surveys. This first edition provides a detailed examination of consumer credit health and behavioral trends, enabling lenders, investors, and policymakers to anticipate shifts and refine their credit strategies in a dynamic market.
The first edition offers the following insights:
- 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.
- 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.
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