> And can someone explain why credit scores aren't just visible in every bank's (web) app? my 90-years-old credit union shows FICO score in both the web and mo

> And can someone explain why credit scores aren't just visible in every bank's (web) app? my 90-years-old credit union shows FICO score in both the web and mobile app (mobile app even plots this over time). actual scores too, from one of the big three: not some second-order estimate. not namedropping because discussion of this article in particular seems at risk of devolving into promo/self-interested discussion. but if this is a thing you care about when choosing a bank it absolutely is possible to find with a bit of searching. as for regulations, and why aren’t banks required to display FICO scores prominently: as the article discusses, the link between FICO score and borrowing rates/eligibility isn’t always direct (an 850 FICO doesn’t magically open the door for a $1M home, business, or personal loan: you still need proof of income, etc). i don’t know that FICO is actually encoded into law anywhere: more relevant would be requiring lenders to justify why they do/don’t approve loans, and at what rates, IMO. many do this already to some degree, but i’m not sure to what extent that’s regulated.