FICO Names Christy Moss Liaison To B2B Scores Mortgage & Capital Markets

Christy Moss, CMB has joined Fair Isaac and Company (FICO) as vice president, B2B scores mortgage and capital markets liaison at FICO.

In her new role, Moss will be responsible for collaborating with industry stakeholders by expanding access to credit through the development of strategic partnerships to promote sustainable housing markets. 

She will also assist in fostering deeper relationships within the mortgage and capital markets sectors to enhance FICO’s mission.

FICO aims to use predictive analytics, data science, and decision-management software to enable organizations to make better, more accurate, and more consistent high-volume decisions — such as credit risk, fraud detection, and customer management — across finance, insurance, retail, healthcare, and many other industries.

“I’m deeply grateful for the opportunity to join such a respected and innovative organization — one that has shaped the way credit decisions are made for decades and continues to lead with purpose, transparency, and impact,” said Moss via LinkedIn.

NMP had the opportunity to sit down and chat with Moss when she was chief customer officer at FormFree.

“I’m energized, grateful, and ready to get to work — collaborating with stakeholders across the housing ecosystem to drive meaningful progress,” added Moss.

Moss joins FICO as the company has just announced an agreement to release long-awaited historical FICO Score 10T data to lenders, removing additional barriers to implementing updated scoring models at Fannie Mae and Freddie Mac (GSEs).

"We are excited to let the industry know that FICO, in collaboration with FHFA, and the GSEs, recently achieved a key milestone on the path to support the mortgage industry’s implementation of FICO Score 10T by reaching agreement on the terms and conditions for the release of historical FICO Score 10T score data associated with the GSEs’ Single Family Loan-Level datasets," said Julie May, FICO VP and general manager, "This agreement represents a key step in making FICO Score 10T historical datasets broadly accessible to market participants."

The FHFA had planned to phase out the long-used FICO Classic score and require lenders to adopt both FICO Score 10T and VantageScore 4.0 in the fourth quarter of 2025. These modern scoring models incorporate trended credit behavior and additional data — such as rent, utility, and telecom payments — changes that supporters say will broaden access to mortgage credit. FHFA validated both models for use in late 2022.