Core Viewpoint - Fair Isaac (FICO) has introduced a new pricing model that allows mortgage lenders to calculate and distribute FICO scores directly to borrowers, leading to increased transparency and cost efficiency in the mortgage process [1] Group 1: Company Developments - FICO's stock price surged by 28% to $1905.26 following the announcement of the new pricing model [1] - The new model allows lenders to avoid additional fees from credit bureaus, paying Fair Isaac a fee of $33 per borrower for each score [1] Group 2: Industry Impact - The direct licensing of FICO scores is expected to enhance transparency and competitiveness in the mortgage lending process [1] - This change provides lenders with more control over pricing decisions related to FICO scores, potentially impacting the overall mortgage market dynamics [1]