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 of the first 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
Inaugural FICO® Score Credit Insights Report
Discover key U.S. credit trends —download the inaugural 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.
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90% of Americans have actively worked to improve their financial health this past year
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75% of Americans feel in control of their credit scores
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82% of Americans prioritize maintaining or enhancing their credit score for 2026
Expert economist analysis on consumer credit
Examining findings through an economist’s lens offers independent insights into macroeconomic forces and evolving credit trends. This such analysis empowers lenders to interpret consumer credit data and make more informed, strategic decisions in today’s financial landscape.
"The economy remains good by many metrics through the first half of 2025 – real GDP is rising, businesses continue to hire, and the unemployment rate remains near historic lows. But cracks are starting to emerge in the foundation…,”
Amy Crews Cutts, PhD, CBE®; AC Cutts & Associates LLC
Driving growth and inclusion with data insights
FICO® Score Innovation 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.
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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.