The credit score that matters the most is the score that your potential lender is using to determine your creditworthiness.

Pre-Christmas spending and average active balances fall, however average balances for missed accounts remain high reflecting ...

Only 1.76% of Americans have a perfect 850 FICO® Score in 2025, according to Motley Fool Money research and Experian data. And honestly, that tiny percentage says everything. Hitting perfection takes ...

Fair Isaac is best known as the creator of the FICO credit score, the lending industry’s standard for assessing consumer credit risk. It also develops analytics, decision-management, and ...

FICO’s agreement to release long-delayed historical 10T data clears the final obstacle to implementing more modern, inclusive credit scoring models at Fannie Mae and Freddie Mac In a move that Federal ...

In a bid to lower closing costs on home purchases, Federal Housing Finance Agency Director Bill Pulte sought to reduce the mortgage credit score fee by opening up competition in the sector. But ...

The credit score that helps determine the biggest financial decision in most Americans’ life—their mortgage—is controlled by an exclusive club. In July, Bill Pulte, who leads the Federal Housing ...

Fannie Mae announced that it no longer requires a minimum FICO credit score for loans processed through its Desktop Underwriter system. Supporters of the move feel this can open up conventional loan ...

Fannie Mae no longer requires borrowers to have a 620 minimum credit score if the loan is processed through its Desktop Underwriter system. As of Nov. 16, 2025, it joined Freddie Mac, which made a ...

The enhanced UltraFICO score solution uses Plaid's systems to accept and analyze real-time cash-flow data, or information about the money moving in and out of a consumer's financial accounts. Older ...