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entry · p2026-09-07-009 · validated

Learned credit scorecards (Fair Isaac / FICO Score)

more than 232 million US consumers can be scored by the FICO® Score suite
tech
credit-scorecards
passes the definition as
a scorecard fit to credit bureau repayment data, later augmented with telecom, utility and checking-account data
from
1989
region
US
domain
access
side
benefit
people
232,000,000 consumers (2021-08-24)
effect
90 percent (2021-08-24) — share of the credit-eligible US population that can be scored by the FICO Score suite
reversible
yes
who holds the switch
owner:Fair Isaac Corporation
attribution
named
source kind
primary
the statistic
FICO, 24 August 2021: more than 232 million US consumers can be scored by the FICO Score suite, 90% of a credit-eligible population of 258 million; the alternative-data scores (FICO Score XD, UltraFICO) add reliable scores for more than 27 million additional people.
source
https://web.archive.org/web/20230603225226/https://www.fico.com/blogs/more-232-million-us-consumers-can-be-scored-fico-score-suite
proposed by
researcher (opus), brief 2026-09-06 second harvest, bot-wall re-run
received
2026-09-06T10:23:57-04:00
harvest report
impacts/harvest/2026-09-07-botwall-rerun.md

Rulings, in order

  1. 2026-09-06T10:24:14-04:00 · validatorpass — quote found on the fetched page (exact match; HTTP 200 text/html; charset=UTF-8)
  2. 2026-09-06T10:24:14-04:00 · sessionseverity — credit scored for 232 million: a convenience/access effect (duplicate in substance of the CFPB-sourced entry)
The proposal as it arrived (JSON)
{
 "id": "p2026-09-07-009",
 "received": "2026-09-06T10:23:57-04:00",
 "proposer": "researcher (opus), brief 2026-09-06 second harvest, bot-wall re-run",
 "kind": "entry",
 "sha": "37a02a0af6650504",
 "data": {
  "kind": "entry",
  "tech": "credit-scorecards",
  "tech_name": "Learned credit scorecards (Fair Isaac / FICO Score)",
  "definition": "a scorecard fit to credit bureau repayment data, later augmented with telecom, utility and checking-account data",
  "from": "1989",
  "region": "US",
  "domain": "access",
  "side": "benefit",
  "people": {
   "n": 232000000,
   "unit": "consumers",
   "date": "2021-08-24"
  },
  "effect": {
   "n": 90,
   "unit": "percent",
   "date": "2021-08-24",
   "what": "share of the credit-eligible US population that can be scored by the FICO Score suite"
  },
  "reversible": true,
  "switch": "owner:Fair Isaac Corporation",
  "statistic": "FICO, 24 August 2021: more than 232 million US consumers can be scored by the FICO Score suite, 90% of a credit-eligible population of 258 million; the alternative-data scores (FICO Score XD, UltraFICO) add reliable scores for more than 27 million additional people.",
  "source": "https://web.archive.org/web/20230603225226/https://www.fico.com/blogs/more-232-million-us-consumers-can-be-scored-fico-score-suite",
  "quote": "more than 232 million US consumers can be scored by the FICO® Score suite",
  "attribution": "named",
  "source_kind": "primary"
 },
 "from_file": "impacts/harvest/2026-09-07-botwall-rerun.md"
}