Investors are celebrating a major shake up in how FICO scores will be shared with mortgage lenders, as shares of parent company Fair Isaac have rallied more than 20% on Thursday.

That stock rally follows FICO’s announcement on Wednesday of a new pricing model that will allow mortgage lenders to calculate and distribute credit scores directly to borrowers, thereby eliminating the need to rely on the three nationwide credit bureaus for this information. In addition to its legacy pricing model, lenders can now opt for a direct license option that will save them up to 50% on per-score FICO fees.

The FICO score is one of a few different credit scoring models that help lenders assess how likely a borrower is to pay back a loan. According to FICO, the score is used by 90% of top U.S. lenders.

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