FICO · 10-K · 2026A · Full report
Credit Score Product Expansion
FAIR ISAAC CORP · 2026-11-06 · Importance 31 · Surprise 42 · In source text
FICO announced a Mortgage Direct License Program giving tri-merge resellers, platform providers, and other third-party distributors an option to calculate and distribute FICO Scores directly to customers without relying on the three nationwide consumer reporting agencies as intermediaries. The company partnered with Plaid on UltraFICO, combining FICO Scores with consumer-permissioned cash flow data. FICO enhanced the Mortgage Simulator with automated credit-planning features for lenders, mortgage loan officers, and brokers, while its Score A Better Future financial education program expanded partnerships and distribution channels.
Key facts
- In fiscal 2026, FAIR ISAAC CORP announced the FICO Mortgage Direct License Program, which will let tri-merge resellers, platform providers, and other third-party distributors calculate and distribute FICO Scores directly to customers without relying on the three nationwide consumer reporting agencies as intermediaries. source
- FAIR ISAAC CORP partnered with Plaid to introduce a next-generation UltraFICO Score combining the FICO Score with consumer-permissioned cash flow data. source
- FAIR ISAAC CORP enhanced the FICO Score Mortgage Simulator with automated credit-planning features for lenders, mortgage loan officers, and brokers. source
- FICO Auto Score 10 continued to gain adoption during fiscal 2026. source
Impact estimates
| metric | direction | stage | expected | basis |
|---|---|---|---|---|
| revenue | positive | contingent | — | In fiscal 2026, FAIR ISAAC CORP announced the FICO Mortgage Direct License Program, which will let tri-merge resellers, platform… |
| revenue | positive | contingent | — | FAIR ISAAC CORP partnered with Plaid to introduce a next-generation UltraFICO Score combining the FICO Score with consumer-permissioned… |