2025年10月1日,FICO启动了一项直接许可方案,允许放款人直接购买分数,削减信用社,降低成本。 FICO launched a direct licensing program on Oct. 1, 2025, letting lenders buy scores directly, cutting out credit bureaus and lowering costs.

Fair Isaac公司(Fair Isaac Corp.)于2025年10月1日启动直接许可方案, 允许按揭贷款人和转售商直接获得FICO分数, 绕过Equifax、Experian和TransUnition等主要信用社。 Fair Isaac Corp. launched a direct licensing program on October 1, 2025, allowing mortgage lenders and resellers to obtain FICO scores directly, bypassing major credit bureaus like Equifax, Experian, and TransUnion. 这项动议引入了4.95美元/核心收费加上33美元的结账费或10美元定额收费,目的是提高透明度和降低费用。 The move introduces a $4.95 per-score fee plus a $33 closing charge or a flat $10 fee, aiming to increase transparency and reduce costs. FICO的股票上涨了近24%,而信贷局的股票则急剧下跌,反映出投资者对收入损失的担忧。 FICO’s stock rose nearly 24%, while credit bureau shares dropped sharply, reflecting investor concerns over lost revenue. 这一变化是在VantageScore的监管压力和竞争之后发生的,行业领导人欢迎这一转变,因为向更公平的定价取得进展,尽管对消费者成本的长期影响仍然不确定。 The change follows regulatory pressure and competition from VantageScore, with industry leaders welcoming the shift as progress toward fairer pricing, though long-term impacts on consumer costs remain uncertain.