On a scale from 300 to 850, how would you rate your financial situation? No need to guess — credit giant Fair Isaac Corp ($FICO) already knows, and they’re making sure you and your lenders pay a bit more to find out. With revenues up 12% year-over-year, America’s largest credit data cruncher is cashing in on its essential FICO reports, and experts say it could just be the start.

• This year, FICO eliminated tiered pricing for certain credit reports, moving to a single higher price for many reports like mortgage reports — and analysts expect FICO to raise prices again in 2025.
• At the same time, analysts predict that lower interest rates could drive more credit originations, which would be lucrative for credit risk assessors like FICO.

Gotta give them credit: FICO’s reports are relatively cheap — a mortgage credit score costs $3.50 today. That’s why Wells Fargo analysts predict the company will “continue increasing its prices.” Even modest price bumps would lead to big revenue growth, which has attracted investors, sendingFICO

up 74% year-to-date, making it one of the top-performing stocks in the S&P 500. However, these price hikes could make FICO a bipartisan target. On Friday, 34 Democratic senators and representatives urged the Department of Justice to investigate the Wall Street darling for its pricing practices and potential anti-competitive behavior — following in the footsteps of at least one Republican senator who pushed for a state investigation of FICO earlier this year.