• FICO’s Score Credit Insights report said the average US FICO Score declined to 714, continuing a gradual downward trend since 2023.
• Student loan delinquency reporting and a modest rise in mortgage delinquencies were cited as primary drivers of the 2-point decline over the past year.
• The report said 48.1% of US consumers have FICO Scores of 750 or higher, and described the credit market as increasingly segmented.
• Auto, credit card, and personal loan delinquency rates were reported as leveling off or improving, while mortgage delinquencies continued rising toward pre-pandemic levels.
• Consumer survey results included that 83% said maintaining or improving their credit scores is a priority this year, and 24% reported making less than a minimum payment or skipping a credit card or loan payment in the past 12 months due to inflation.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Fair Isaac Corporation published the original content used to generate this news brief via Business Wire (Ref. ID: 20260324459421) on March 24, 2026, and is solely responsible for the information contained therein.