FICO

Key Takeaways Pressure-based collections is a losing strategy. The traditional assumption that urgency drives payment is contradicted by the data. The harder you press, the more customers disengage, and in today's high-debt environment, that means defaults you can't recover Most customers in collections want to resolve their debt. On average, 88% of customers who enter the first collections stage resolve before escalation.

The most critical question in mortgage lending today is also the most consequential: which credit score is most predictive — and therefore best positioned to serve lenders, investors, servicers, and the borrowers who depend on their decisions? The FHFA's approval of two new credit scores carries the promise of bringing more qualified buyers into the market and creating a more inclusive mortgage lending environment.

FICO® Score FICO® Scores are used by the top 90 US lenders for their credit risk assessment needs. FICO® Score 10T Mortgage industry participants looking to transition to the most current model, FICO® Score 10T, can find information here to help inform your migration strategy and planning. UltraFICO® Score Leverages trended cash flow data to give lenders a broader view of credit readiness.

Accenture and FICO are expanding their collaboration to help enterprises turn AI investments into real business results — faster decisions, stronger risk controls, and outcomes that hold up under regulatory scrutiny. AI adoption is no longer the differentiator. Nearly every organization has made an investment. What separates leaders from laggards now is something harder to buy: the ability to scale it.

Key Takeaways Your customers' AI agents are already knocking on your door. Agentic AI isn't a future concept — it's arriving now. Customers' AI agents will autonomously shop for loans, negotiate terms, move funds, and switch providers in seconds. The real competitive question for banks is no longer whether they have AI, but whether their systems are equipped to meet and respond to a customer's agent intelligently and in real time.

While headline delinquency metrics in the U.S. bankcard market are showing the first signs of stabilization in Q1 2026, a plateau isn’t a recovery. Beneath the surface, many American consumers are quietly but persistently running out of financial runway. Payment rates are at multi-year lows, credit limits are contracting, and the share of Americans making only the minimum payment on their credit cards has nearly doubled since 2022. Key Takeaways Financial Stabilization Isn’t Recovery.

Financial institutions operate in environments where customer behavior, market conditions, and risk exposure shift with a single transaction. Yet many still rely on static customer models. They explain the past, but they miss what’s changing now. That gap makes timely, individualized experiences harder to deliver. Consider one customer over two weeks: fewer logins, more failed authentication attempts, and a shift toward higher-cash withdrawals. Each signal alone is ambiguous.

In today’s volatile economy, credit card lenders face a critical challenge: achieving profitable growth while effectively managing risk. Traditional strategies often force a choice between taking on higher risk for more volume or tightening standards and excluding creditworthy customers. The FICO® Resilience Index (FRI) changes this dynamic by going beyond the focus of traditional credit scores to incorporate economic resilience.

Every day, businesses face thousands of decisions: where to allocate resources, how to schedule operations, which routes to take, how to price their products, etc. Making these decisions at scale and under real-world constraints is one of the hardest challenges organizations face. That's where mathematical optimization comes in.

FICO is recognizing its partnership with its first software customer, Wells Fargo, as part of FICO’s 70th anniversary. The relationship dates back to the early 1970s, when Wells Fargo was the first bank to adopt a FICO credit scoring system for credit cards and the first user of FICO’s Automated Strategic Application Processing system. These technologies supported the automation of credit decisioning processes at a time when many institutions relied on manual workflows.