BOZEMAN, Mont.--(BUSINESS WIRE)---- $FICO--Global analytics software leader, FICO, has announced that Atlantic Bay Mortgage Group is the latest to adopt FICO ® Score 10 T, FICO's newest, most powerful and predictive score, for its mortgages not sold to Fannie Mae or Freddie Mac. Informative Research will supply Atlantic Bay Mortgage Group with the new credit score. FICO® Score 10 T incorporates trended credit bureau data to reflect consumer credit utilization over time, rather than at a single point in t