Core Insights - The overall FICO score in the U.S. has slightly decreased by approximately 2 percentage points due to inflation and rising interest rates affecting consumer affordability and leading to financial strain among borrowers [1] - The percentage of the population with FICO scores between 600 and 749 is projected to decline from 38.1% in 2021 to 33.8% by 2025 [1] - The most significant decline in scores is observed among Generation Z adults, primarily due to student loan pressures [1] - The report indicates that the student loan delinquency rate has reached a historical high, with over 10% of 21 million customers having overdue student loans [1] - Despite the challenges, many consumers still maintain good credit status, with average credit scores remaining close to historical highs [1] - Average FICO scores are considered a lagging indicator of credit health, suggesting that future average scores may face various risks [1]

9月10日，芝麻信用宣布对其商业信用服务体系进行战略升级，扩大本地生活场景接入，正式面向高德地图开放产品能力，携手打造首个基于真实用户行 为的生活服务榜单——"高德扫街榜"。 在这一全新评价体系中，经用户授权后，芝麻信用将作为用户评价分的重要校准因子影响商家的综合评分，从而让商家评分更真实、可信。 芝麻信用用户的"言而有信"，加之高德地图用户的"身体力行"，让"高德扫街榜"火速刷屏，上线首日使用人数就突破了4000万。 很多人或许有过这样的无语经历：刷到某家网红餐厅，满屏都是"料超足""味道绝了"的花式狂夸。结果，排队两小时，吃到嘴才发现，菜是凉的，肉就几 片，味道还不如自家楼下小饭馆。这时候的你才恍然大悟，原来那些"激情好评"，可能是店员拿着客人手机一边复制粘贴、一边AI生成，再用一份甜 品"换"来的。 "写好评送酸梅汤""博主免费探店狂炫""团队一键五星刷分"……当"刷出来"的高分成了流量密码，我们曾经信赖的餐饮评分，正在悄悄变味和失真。 值得关注的是，此次能力开放的背后，是芝麻信用历经10年业务验证的成熟信用评估模型以及超过7亿用户的广泛覆盖，不仅标志着其从服务内部生态正 式走向全行业赋能，更意味着一个 ...