What It Means
FICO 10 T evaluates 24 months of balance and payment trends rather than a single snapshot, rewarding consistent paydown and penalizing rising balances. Adoption is gradual; lenders must choose to upgrade from earlier models.
Back to Glossary
Credit Scores
FICO Score 10
The latest generation of FICO scoring, including a trended-data variant called FICO 10 T.