FICOs Higher in 3Q B&C ABS Pools, S&P Reports Credit scores on securitized pools of fixed-rate subprime mortgages notched upward in the third quarter, a new analysis by rating agency Standard & Poor’s reveals. In an update on market trends, S&P said loans in fixed-rate subprime pools it rated during the third quarter had an average FICO score of 622 – up from 619 in the second quarter and 606 in the first quarter.