FICO · 10-K · 2026A · Full report

Credit Scoring Competition

FAIR ISAAC CORP · 2026-11-06 · Importance 23 · Surprise 24

FICO said the FICO Score remained the standard measure of consumer credit risk used by U.S. lenders for credit decisioning. Independent analyses during fiscal 2026 continued to show strong predictive performance for FICO Score 10T relative to competitor models. FICO also partnered with Plaid to introduce UltraFICO, which combines the FICO Score with consumer-permissioned cash flow data, and reported continued adoption of FICO Auto Score 10.