More than a decade of loan-level performance data has been released to support evaluation and adoption of industry’s most predictive credit score

BOZEMAN, Mont.--(BUSINESS WIRE)--

FICO , global analytics software leader, today announced that Government Sponsored Enterprises (GSEs), Fannie Mae and Freddie Mac, have released expanded historical datasets for FICO® Score 10T, covering loan-level performance data from April 2013 through September 2025.

The newly available datasets represent a significant milestone in the mortgage industry’s transition to modernized credit scoring. The data enables lenders, investors, and housing finance stakeholders to evaluate the performance of FICO® Score 10T using real-world, GSE loan-level information.

The FICO® Score 10T historical datasets are available directly from the GSEs:

Fannie Mae: https://historicalcreditscores.fanniemae.com

Freddie Mac: https://sf.freddiemac.com/general/credit-score-models

“The Federal Housing Finance Agency and the GSEs have taken an important step forward in advancing the credit score modernization effort with the release of the FICO Score 10T historical data,” said Julie May, vice president and general manager of B2B Scores at FICO. “FICO Score 10T is the most predictive credit score model available, built on a long history of trusted performance designed to support the safety and soundness of the housing market. We’re eager for market participants to dig into the data to independently validate the strength of the model and see how its use can expand access for borrowers while supporting a more resilient housing finance system.”

FICO® Score 10T incorporates trended credit data and, when available in the credit bureau file, rental payment history, giving lenders a more complete view of how consumers manage credit and housing payments over time.

To ensure lenders can evaluate the findings for themselves, FICO® Score 10T is currently available at no cost alongside Classic FICO through the FICO Score 10T Free Access Program. Nearly 70 lenders have already signed up.

For more information on how to sign up for the FICO Score 10T Free Access Program, visit the FICO Score 10T Migration Resource Center.

About FICO

FICO powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 U.S. and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 100 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top U.S. lenders, is the standard measure of consumer credit risk in the U.S. and has been made available in over 40 other countries, improving risk management, credit access and transparency.

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Source: FICO