FICO® Score Credit Insights, Spring 2026 Edition
A comprehensive report analyzing credit trends for the U.S. economy, offering actionable insights for lenders, investors, and policymakers.
Market Research
FICO's bi-annual credit insights report is a trusted resource for credit score benchmarks and analytics, drawing on proprietary analysis of quarterly credit data and FICO-sponsored consumer surveys. This edition offers a detailed look at consumer credit health and behavioral trends, equipping lenders, investors, and policymakers with the insights needed to anticipate shifts and refine their credit strategies in a dynamic market.
The second edition offers the following insights:
Latest macro and segmented trends in FICO® Score averages and distributions, with statistical stratification by product, geography, and credit segment.
Continued insights into payment hierarchy and behavioral drivers that influence credit health and scores.
Consumer perspectives on credit literacy and credit activity, helping to contextualize evolving data with real-world sentiment.
Forward-looking trends to watch – equipping lenders, investors, and policymakers with the foresight to continuously adapt strategies in a dynamic credit landscape.