Fair Isaac Corporation (FICO) announced today the launch of the FICO Mortgage Direct License Program, a new direct‑to‑reseller licensing model that eliminates credit bureau mark‑ups and offers a 50% price reduction on FICO Scores for tri‑merge resellers.
Under the program, tri‑merge resellers can calculate and distribute FICO Scores directly to their customers, with a royalty fee of $4.95 per score and a funded loan fee of $33 per borrower. An alternative pricing model retains the $10 per score fee, giving lenders the choice between a lower cost structure or the traditional model.
The direct license program positions FICO to capture a larger share of the mortgage scoring market, potentially increasing volume and recurring revenue. By removing intermediary costs, FICO strengthens its competitive moat and aligns with industry calls for modernized credit infrastructure.
FICO will offer the same pricing to the three nationwide credit bureaus, but the direct license gives resellers control over distribution and pricing. The launch reflects FICO’s strategy to expand the FICO Platform and deepen relationships with tri‑merge resellers, supporting long‑term growth.
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