Buy FICO by Dec 29, 2026.

Hot take: I think the FICO selloff is an overreaction. If we’re serious about making homebuying cheaper, why focus on credit scoring fees while brokers and agents collect thousands in commissions tied to the transaction value? FICO’s moat is lender trust built over decades. Cheaper alternatives are a threat, but cheaper doesn’t automatically mean lenders switch. Is credit scoring really where the biggest savings are?