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The data release and no-cost access program reduce adoption barriers, signaling deeper penetration of Score 10T among lenders. Historical data access from GSEs often acts as a catalyst for broader platform uptake and potential licensing revenue growth, as seen in prior tech-enabled credit-score migrations.
What happened, with direct paths to the underlying reporting
Fannie Mae and Freddie Mac expanded historical datasets for FICO Score 10T, spanning April 2013 through September 2025. The release enables lenders and investors to evaluate 10T against real-world mortgage data, with rental history and trended data enhancing insight. About 70 lenders have joined FICO Score 10T Free Access, signaling growing market validation and potential future revenue opportunities for FICO.
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