FICO report shows average US FICO Score holds at 714

• FICO’s Fall ’26 Credit Insights report showed the average US FICO Score held at 714, flat since October 2025.
• Early-stage mortgage delinquency eased to 1.35% from 1.42% year-over-year; auto 30-day delinquency improved to 2.6%.
• Mortgage affordability remained strained; the average first-time homebuyer payment hit USD 2,563, up 57% since 2019.
• Stress concentrated in lower score bands; sub-620 mortgage balances rose 43% since April 2019, outpacing 30% inflation.
• Student-loan delinquencies diverged; 3.2 million borrowers with payments due saw an average 38-point year-over-year score drop.

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: 202608250800BIZWIRE_USPR_____20260825_BW819428) on August 25, 2026, and is solely responsible for the information contained therein.