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Average U.S. FICO Score Drops to 715

1. U.S. FICO Score averages decline to 715, impacting consumer credit assessments. 2. Drop attributed to resumed federal student loan delinquency reporting.

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FAQ

Why Bearish?

A declining average FICO Score suggests increased credit risk, potentially affecting FICO's perceived value. Historically, similar declines have led to reduced market confidence in credit measurement firms.

How important is it?

The article addresses significant metrics (average FICO Score) critical to FICO's business operations and market perception.

Why Short Term?

The immediate impact is linked to current credit reporting changes, which could stabilize in the near future.

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CJPMBAC
BOZEMAN, Mont.--(BUSINESS WIRE)---- $FICO--Global analytics software leader FICO (NYSE: FICO), today announced that the national average U.S. FICO® Score stands at 715. This marks a decline of one point from January 2025 and a two-point drop from April 2024, partly driven by the resumption of federal student loan delinquency reporting on U.S. consumers' credit. FICO® Scores power lending decisions for 90% of the top U.S. lenders, serving as the go-to benchmark for assessing consumer credit risk. As consu.

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