[nradov]

In the US, FICO scores are mainly unpopular with "credit criminals" who have low scores. The score performs quite well in predicting how likely a borrower is to repay a loan. The problems that arise with credit scores in general are when they're used for purposes they were never designed to serve, like screening job applicants.

For home mortgage lending, FICO scores are now being partially replaced by VantageScore.

https://vantagescore.com/