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How FICO analyzes your credit for loans and mortgages

FICO is reshaping how lenders access your credit scores, raising questions about costs, competition, and the future of mortgage approvals.

FICO Just Cut Out The Middleman: How Its New Direct License Could Lower Mortgage Costs

FICO just pulled a plot twist in the mortgage world. On October 1, 2025, the company unveiled the FICO® Mortgage Direct ...