FICO Stock Jumps as Company Announces Overhaul of Creditโค Score Pricing
NEW YORKโฃ – October โ2, 2025 – Shares of Fair Isaac Corporation (FICO) surged today after the company announced a important restructuring ofโ its credit score business, offering โlenders a choice of both pricing and distribution models. The โmove, lauded by analysts as perhaps improving FICO’s economics and disruptingโฃ the conventionalโ role of credit bureaus, โsent the stock higher in afternoon trading.
For decades, โขcredit bureaus have acted as โขthe sole distributors of FICOโ scores, applying a roughly 100% markup. This new scheme allows lenders โtoo bypass that system, potentially lowering costs and increasing competition in the credit scoring market. โฃThe change impacts lenders, consumers, and the credit bureaus themselves, signaling a potentialโค shift in the $130 billion credit reporting industry.
Raymond James analyst โคPatrick โฃO’shaughnessy reiterated an outperform rating for Fair Isaac, stating the new pricing scheme “will improve FICO’s economics andโฆultimately disintermediate credit bureaus from their current ~100% mark-up on the FICO score.” Theโฃ declaration follows months of scrutiny from โคregulatorsโ concerned about โrisingโค credit score costs.
Federal Housing Finance Agency Director Billโ Pulteโค welcomed the โคmove on X โข(formerly Twitter), calling it an effort to “generate โCreative Solutions to helpโ theโค American consumer.” Pulte had โpreviously criticized Fairโค Isaac in late july, labeling the company a “monopoly” and accusing it of unfair price โคhikes. He urged creditโ bureaus to โฃfollow suit,stating,”I encourageโข the Credit Bureau’s to also take similar creative and constructive actions to make our โmarkets safer,stronger,and more competitive.”