Credit score in the United States

The factual accuracy of parts of this article (those related to credit scoring models) may be compromised due to out-of-date information. The reason given is: References to "credit bureau branded" credit scores, like Beacon, NextGen, and Pinnacle are obsolete. Current nomenclature is a numbered FICO model with an optional industry type. If old names are to be included for historical purposes, they should be in a separate "history" section.. Please help update this article to reflect recent events or newly available information. (September 2020)

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A credit score is a number that provides a comparative estimate of an individual's creditworthiness based on an analysis of their credit report.[1] It is an inexpensive and main alternative to other forms of consumer loan underwriting.

Lenders, such as banks and credit card companies, use credit scores to evaluate the risk of lending money to consumers. Lenders contend that widespread use of credit scores has made credit more widely available and less expensive for many consumers.[2][3] Under the Dodd-Frank Act passed in 2010, a consumer is entitled to receive a free report of the specific credit score used if they are denied a loan, credit card or insurance due to their credit score.[4]

## History

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Before credit scores, credit was evaluated using credit reports from credit bureaus. During the late 1950s, banks started using computerized credit scoring to redefine creditworthiness as abstract statistical risk.[5]: 447 The Equal Credit Opportunity Act banned denying credit on gender or marital status in 1974, along with race, nationality, religion, age, or receipt of public assistance in 1976.[5]: 573 Credit scoring adoption accelerated to shield against discrimination lawsuits.[5]: 585

During the 1970s and 80s, the credit reporting industry relentlessly consolidated[5]: 598 and moved aggressively into prescreening.[5]: 602 The FICO score burst into public consciousness in 1995 when Freddie Mac had lenders use credit scoring for all new mortgage applications.[5]: 607

## Credit scoring models

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Although various methods of estimating creditworthiness existed before, modern credit scoring models date to 1958, when Bill Fair and Earl Isaac created Credit Application Scoring Algorithms, their first credit scoring system.[6]

### FICO score

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The FICO score was first introduced in 1989 by FICO, then called Fair, Isaac, and Company.[7] The FICO model is used by the vast majority of banks and credit grantors, and is based on consumer credit files of the three national credit bureaus: Experian, Equifax, and TransUnion. Because a consumer's credit file may contain different information at each of the companies, FICO scores can vary depending on which bureau provides the information to FICO to generate the score.

#### Makeup

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Credit scores are designed to measure the risk of default by taking into account various factors in a person's financial history. Although the exact formulas for calculating credit scores are secret, FICO has disclosed the following components:[8][9]

* Payment history (35%): Best described as the presence or lack of derogatory information. Bankruptcy, settlements, charge-offs, repossessions, foreclosures, and late payments can cause a FICO score to drop.
* Debt burden (30%): This category considers a number of debt-specific measurements. According to FICO there are six different metrics in the debt category including the debt to limit ratio, number of accounts with balances, the amount owed across different types of accounts, and the amount paid down on installment loans.[10]
* Length of credit history or "time in file" (15%): As a credit history ages it can have a positive impact on its FICO score. There are several metrics in this category, most significantly the average age of the accounts on a report and the age of the oldest account.
* Types of credit used (10%): Consumers can benefit by having a history of managing different types of credit. Examples of types of credit include installment, revolving, consumer finance and mortgage.[11]
* Recent searches for credit (10%): Hard credit inquiries or "hard pulls," which occur when consumers apply for a credit card or loan (revolving or otherwise), can hurt scores, especially if done in great numbers. Individuals who are "rate shopping" for a mortgage, auto loan, or student loan over a short period (two weeks or 45 days, depending on the generation of FICO score used) will likely not experience a meaningful decrease in their scores as a result of these types of inquiries, as the FICO scoring model considers all of those types of hard inquiries that occur within 14 or 45 days of each other as only one. Further, mortgage, auto, and student loan inquiries do not count at all in a FICO score if they are less than 30 days old. While all credit inquiries are recorded and displayed on personal credit reports for two years, they have no effect after the first year because FICO's scoring system ignores them after 12 months.[citation needed] Credit inquiries that were made by the consumer (such as pulling a credit report for personal use), by an employer (for employee verification), or by companies initiating pre-screened offers of credit or insurance do not have any impact on a credit score: these are called "soft inquiries" or "soft pulls", and do not appear on a credit report used by lenders, only on personal reports. Soft inquires are not considered by credit scoring systems.[12]

These percentages are based on the importance of the five categories for the general population. For particular groups—for example, people who have not been using credit long—the relative importance of these categories may be different.[8]

The makeup factors are limited to the individual's past (and continuing) behavior on credit. Contrary to common misconception,[13] other financial factors such as age, employment status, assets, or income are not accounted. However, lenders are not prohibited from asking about and accounting these factors for particular lending considerations.

Getting a higher credit limit can help a credit score. The higher the credit limit on the credit card, the lower the utilization ratio average for all of a borrower's credit card accounts. The utilization ratio is the amount owed divided by the amount extended by the creditor and the lower it is the better a FICO rating, in general. So if a person has one credit card with a used balance of $500 and a limit of $1,000 as well as another with a used balance of $700 and $2,000 limit, the average ratio is 40 percent ($1,200 total used divided by $3,000 total limits). If the first credit card company raises the limit to $2,000, the ratio lowers to 30 percent, which could boost the FICO rating.

There are other special factors that can weigh on the FICO score.

* Any money owed because of a court judgment, tax lien, etc., carries an additional penalty, especially when recent.
* Having one or more newly opened consumer finance credit accounts may also be a negative.[14]

#### Ranges

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There are several types of FICO credit score: classic or generic or general-purpose score, industry-specific scores (bankcard score, auto score, mortgage score, personal finance score, and installment loan score), XD score, NextGen risk score, and UltraFICO score. The classic FICO credit score (named FICO credit score) is between 300 and 850, and 59% of people had between 700 and 850, 45% had between 740 and 850, and 1.2% of Americans held the highest FICO score (850) in 2019.[15] According to FICO, the median FICO credit score in 2006 was 723[16] and 721 in 2015.[17] The average FICO Score 8 in the US was 710 in 2020 and 716 in April 2021.[18] The FICO bankcard score, FICO auto score, FICO personal finance score, and FICO installment loan score are between 250 and 900. The FICO Mortgage Score and FICO Score XD 2 are between 300 and 850.[19][20] Higher scores indicate lower credit risk.[21] Experian classifies FICO credit scores lower than 580 as very poor, 580–669 as fair, 670–739 as good, 740–799 as very good, and 800–850 as exceptional. Equifax considers FICO scores lower than 580 as poor, 580–669 as fair, 670–739 as good, 740–799 as very good, and 800–850 as excellent. Individuals with FICO scores less than 670 are seen as subprime borrowers.[22]

Each individual actually has over 60 credit scores for the FICO scoring model, as each of the three national credit bureaus (Equifax, Experian and TransUnion) has its own database, but the most used are 40.[23] Data about an individual consumer can vary from bureau to bureau.[22] FICO scores have different names at each of the different credit reporting agencies: Equifax (Beacon), TransUnion (FICO Risk Score, Classic) and Experian (Experian/FICO Risk Model). There are several active generations of FICO credit scores: FICO 98 (1998), FICO 04 (2004), FICO 8 (2009), FICO 9 (2014), FICO 10 and FICO 10T (2020).[23][24][25] A new type of FICO score named UltraFICO score was released in 2019.[26] The FICO 95 credit score released in 1995 and Equifax FICO 98 scores are no longer in use. The Experian FICO 98 score is named FICO Score 2, Experian FICO 04 score is FICO Score 3, TransUnion FICO 04 score is FICO Score 4, and Equifax FICO 04 score is FICO Score 5.[citation needed] The FICO Score XD is made with alternative data and was released in 2016.[27] Mortgage lenders use EX FICO Score 2, EQ FICO Score 5 and TU FICO Score 4, but not a real FICO Mortgage Score.[23][28] Consumers can buy their FICO scores plus credit report for Equifax, TransUnion, and Experian from the FICO website (myFICO), and they will get their FICO score 8, FICO Bankcard Score 8, FICO Auto Score 8, FICO Score 9, FICO Auto Score 9, FICO Bankcard Score 9, and other FICO scores (1998 and 2004 versions). Individuals can get up to 28 FICO scores (10 EX, 9 EQ, 9 TU) on myFICO.[29] Consumers also can buy their FICO Score 8 for Equifax in the website for that credit bureau, and their FICO Score 8 for Experian on its website. Anyone can register and get their free EX FICO score 8 with Experian CreditWorks Basic.[30][obsolete source] Other types of FICO scores cannot be obtained by individuals in a personal capacity, only by lenders.[citation needed] Some credit cards issued by banks and some credit unions offer a free FICO score several times per year to their cardholders.[31]

#### FICO NextGen Risk Score

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The FICO NextGen Risk Score is a scoring model designed by the FICO company for assessing consumer credit risk. This score was introduced in 2001 (FICO score NG1), and in 2003 (FICO score NG2) the second generation of NextGen was released.[32] In 2004, FICO research showed a 4.4% increase in the number of accounts above cutoff while simultaneously showing a decrease in the number of bad, charge-off and bankrupt accounts when compared to FICO traditional.[33] FICO NextGen score is between 150 and 950.

Each of the major credit agencies markets this score generated with their data differently:

* Experian: FICO Advanced Risk Score
* Equifax: Pinnacle
* TransUnion: FICO Risk Score NextGen

#### FICO SBSS

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The FICO Small Business Scoring Service (SBSS) score is used to evaluate small business credit applicants.[34] This score can evaluate the personal credit report of a business owner along with the business credit report of the business itself. Financial information of the business may be evaluated as well. The score range for the FICO SBSS score is 0–300. A higher score indicates less risk. Applications for SBA 7(a) loans for $350,000 or less will be prescreened using this score. A minimum score of 140 is needed to pass this prescreen, though most lenders require scores of 160 or more.[citation needed]

### VantageScore

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Main article: VantageScore

In 2006, to try to win business away from FICO, the three major credit-reporting agencies introduced VantageScore credit score, which differs from FICO in several ways.[35] According to court documents filed in the FICO v. VantageScore federal lawsuit,[36] the VantageScore market share was less than 6% in 2006. The VantageScore methodology initially produced a score range from 501 to 990 (VantageScore 1.0 score and VantageScore 2.0 score), but VantageScore 3.0 score adopted the score range of 300–850 in 2013.[37] The VantageScore 4.0 score was released in mid-2017 and also uses a range of 300–850. Consumers can get free VantageScores from free credit report websites, and from some credit cards issued by Capital One, American Express, U.S. Bank, Chase Bank, TD Bank, N.A., Synchrony Bank, and USAA Bank. The VantageScore 3.0 and 4.0 lower than 550 is very poor, 550–649 is poor, 650–699 is fair, 700–749 is good, and 750–850 is excellent.[38] As of 2024, Synchrony Bank uses VantageScore 4.0 as the credit score for granting its credit cards.[39] In July 2025, the Federal Housing Finance Agency announced that Fannie Mae and Freddie Mac will permit lenders to use VantageScore 4.0 in addition to the long-standing FICO score for underwriting conforming mortgages.[40]

### CE Score

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CE Score is published by CE Analytics. This score is distributed to 6,500 lenders through the Credit Plus network. It has a range of 350 to 850.[41]

### Educational credit scores

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A number of scores have been developed to help consumers understand and improve their credit scores. Most were introduced before FICO began sharing details of their model and encouraging lenders to share scores with consumers. While these scores can help consumers monitor and improve their score, these scores do not replicate the FICO score and may be substantially less accurate if they use less complete data. They also assign different score ranges and rankings to consumers, which has created confusion among consumers who expect to have a single score number. Discussions on the myFICO forum and elsewhere have referred to non-FICO scores as FAKO scores.[42]

Experian has the Plus Score between 330 and 830, and Experian's National Equivalence Score ranges from 360 to 840. Equifax has the Equifax Credit Score of between 280 and 850. CreditXpert offers a simulation score to estimate the impact of various actions on a score range of 350 to 850.

### Other credit scores

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Lenders may choose to use non-FICO credit scores to gain additional insight on consumers, especially those with limited traditional credit history who might be difficult to score. These scores may be added to the FICO score if they provide unique insights or used instead of the FICO score if they provide similar predictiveness. Most of these scores are based significantly on data not available through the national credit bureaus (alternative data), such as rental, utility, and telecom payment data or public record information such as property deeds and mortgages, liens, personal property titles, tax records, and licensing data.

The Credit Optics Score by SageStream blends traditional and alternative credit data with machine learning modeling techniques and ranges from 1 to 999. LexisNexis RiskView score, based on wide-ranging public records, ranges from 501 to 900. CoreLogic Credco reports on property related public records and its Anthem Credit Score ranges from 325 to 850. PRBC allows consumers to self-enroll and report their own non-debt payment history. The PRBC alternative credit score range is 100 to 850. There are also scores like ChexSystems Consumer Score designed for financial account verification services ranging from 100 to 899. The L2C (Link2Credit) score by L2C, Inc. ranges from 300 to 850. Scorelogix LLC offers the JSS Credit Score, which assesses credit risk based on job history, income, and the impact of the economy. A Behavioral Risk Score (0 to 999) is used by Comenity Bank and Comenity Capital Bank. TU CreditVision Scores and TU New Account score (300-850) are issued by TransUnion.[43] The latter is used by WebBank.

## Free annual credit report

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Main article: Comparison of free credit monitoring services

As a result of the FACT Act (Fair and Accurate Credit Transactions Act), each legal U.S. resident is entitled to a free copy of his or her credit report from each credit reporting agency once every twelve months.[44] The law requires all three agencies, Equifax, Experian, and Transunion, to provide reports. These credit reports do not contain credit scores from any of the three agencies. The three credit bureaus run Annualcreditreport.com, where users can get their free credit reports. Non-FICO credit scores are available as an add-on feature of the report for a fee. This fee is usually $7.95, as the FTC regulates this charge through the Fair Credit Reporting Act.[45] The FTC tracks various scams and reports on other sites that provide fake credit reports or charge fees for their services.[46] Instances of illegal behaviors by credit report services have been settled in court such as that of Experian Consumer Direct that was charged with deceptively signing people up for credit report monitoring services that charged them monthly fees.[47]

## Non-traditional uses of credit scores

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Main article: Insurance score

Credit scores are often used in determining prices for auto and homeowner's insurance. Starting in the 1990s, the national credit reporting agencies that generate credit scores have also been generating more specialized insurance scores, which insurance companies then use to rate the insurance risk of potential customers.[48][49] Studies indicate that the majority of those who are insured pay less in insurance through the use of scores.[50][51] These studies point out that people with higher scores have fewer claims.

In 2009, TransUnion representatives testified before the Connecticut legislature about their practice of marketing credit score reports to employers for use in the hiring process. Legislators in at least twelve states introduced bills, and three states have passed laws, to limit the use of credit check during the hiring process.[52]

## Criticism and controversies

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Main article: Criticism of credit scoring systems in the United States

Credit scoring systems have garnered considerable criticism from various media outlets, debtors unions,[53][54] consumer law organizations,[55] and government officials.[56] Discrimination against prospective employees, rejection of rental applications, racial bias, poor risk prediction, manipulation of algorithms, and overall immorality are some of the concerns raised regarding the system. The scoring system has also been studied as a form of classification to shape an individual's life-chances—a form of economic inequality.[57] The classification scheme is necessitated by the loss of collective social services and risk.[58] The credit scoring system in the United States is similar to the Social Credit System in China.[59] The use of credit information in connection with applying for various types of insurance or rental applications has drawn criticism, because obtaining and maintaining employment, housing, transport, and insurance are among the basic functions of meaningful participation in modern society, and in some cases (such as auto insurance) are mandated by law.[60]

US credit reporting companies have been accused of illegal behaviors by misstating costs and usefulness of credit scores, tricked consumers into recurring payments, and lying about reports.[61] The Consumer Financial Protection Bureau (CFPB) charged both Equifax, Inc. and TransUnion with deliberate deceit of consumers about the value of the credit scores sold, as they were caught providing different scores to consumers than what was being provided to lenders.[61] They were also charged with deceit by charging recurring fees to those enrolled in trial services.[61] The agencies were required to pay $23 million in fines and restitution.[62]

Equifax agreed to a settlement of $575 million with the Federal Trade Commission, the CFPB, and states related to a data breach that occurred in 2017 where 147 million people were affected by their personal information being exposed.[63]

In 2020, a Pennsylvania man filed a lawsuit against TransUnion over being mislabeled as a terrorist due to having the same first name as suspected terrorists.[64] This was not the first instance as similar events occurred in 2007 in Colorado where a woman's credit report labeled her as a drug trafficker, and in 2017 in California where multiple people had their credit reports sold to a car dealership that labeled them as terrorists.[65]

## See also

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* Alternative data
* Bankruptcy risk score
* Comparison of free credit report websites
* Credit scorecards
* Seasoned tradeline
* Social Credit System

## References

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1. ^ Kagan, Julia. "Credit Score". Investopedia. Archived from the original on October 19, 2007. Retrieved May 24, 2021.
2. ^ "Report to the Congress on credit scoring and its effects on the availability and affordability of credit" (PDF).
3. ^ "An overview of consumer data and credit reporting" (PDF).
4. ^ "President Obama on Final Passage of Wall Street Reform: An End to Bailouts, a Beginning for Accountability". whitehouse.gov. July 15, 2010.
5. ^ a b c d e f Lauer, Josh (2017). Creditworthy: A History of Consumer Surveillance and Financial Identity in America.
6. ^ "Form 10-K: Fair, Isaac and Company Incorporated (Annual Report)". FICO Investor Relations. December 1998. Retrieved October 30, 2022.
7. ^ "Home | 25th Anniversary".
8. ^ a b "How Are Credit Scores Calculated? Learn What Affects Your Credit Score". myFICO.com. Retrieved January 19, 2010.
9. ^ Dayana Yochim. "How Lenders Keep Score". TheMotleyFool. Archived from the original on March 15, 2008. Retrieved February 29, 2008.
10. ^ "Amounts Owed – How It Impacts Your Score". Archived from the original on October 17, 2016. Retrieved October 23, 2016.
11. ^ Is Paying Off the Mortgage Good for Our Credit? Credit Cards Q&A By Joan Goldwasser, Kiplinger's Personal Finance, October 2008
12. ^ "What are inquiries and how do they affect my FICO score?". myFICO. October 19, 2018.
13. ^ "Consumer Watch". okcfox.com. July 15, 2019.
14. ^ Teegardin, Carrie (December 9, 2007). "Hold off on opening new credit cards". The Atlanta Journal-Constitution. Cox News Service. Archived from the original on July 17, 2012. Retrieved October 27, 2021.
15. ^ Credit Score Information: About FICO Scores – myFICO.com
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20. ^ "FICO Continues to Expand Access to Credit with New FICO® Score XD 2". FICO. Retrieved April 5, 2022.
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28. ^ "What Credit Score do Mortgage Lenders Use?". NextAdvisor. April 21, 2021.
29. ^ White, Alexandria (November 30, 2020). "Get updates to 28 versions of your FICO Score with this credit monitoring service". CNBC. Retrieved April 5, 2022.
30. ^ "View Your Free FICO Score for all 3 Credit Bureaus". October 2021.
31. ^ Bucci, Steve (December 10, 2020). "How to get a free credit score". Bankrate. Archived from the original on May 28, 2021. Retrieved May 28, 2021.
32. ^ "FICO® NextGen Risk Scores" (PDF). Archived from the original (PDF) on December 21, 2016. Retrieved January 5, 2016.
33. ^ "FICO NextGen Score". FICO. Archived from the original on August 20, 2010.
34. ^ "FICO® Small Business Scoring Service". FICO® | Decisions. Retrieved April 10, 2017.
35. ^ Sullivan, Bob (January 31, 2015). "FICO vs. VantageScore: The Credit Score Rivalry Heats Up". credit.com. Retrieved June 6, 2021 - via ABC News.
36. ^ Fair Isaac Corporation v. Experian Information Solutions (United States Court of Appeals for the Eighth Circuit August 17, 2011), No. 10-2409.
37. ^ "VantageScore". VantageScore.com. Archived from the original on November 13, 2010. Retrieved January 19, 2010.
38. ^ Harzog, Beverly (November 20, 2019). "What Is a Fair Credit Score?". U.S. News & World Report. Archived from the original on November 21, 2019. Retrieved September 3, 2020.
39. ^ DeNicola, Louis (July 1, 2024). "What Is a Credit Score & Why Is It Important?". Synchrony. Retrieved July 15, 2025.
40. ^ Riquier, Andrea (July 11, 2025). "You may use a different credit score for a Fannie/Freddie mortgage". USA TODAY. Retrieved July 15, 2025.
41. ^ "How to get a free credit score". Bankrate. Archived from the original on July 19, 2012. Retrieved June 4, 2021.
42. ^ "Official credit score will cost you, but fake one won't". Grand Forks Herald. April 6, 2010. Retrieved November 15, 2020. "you can get a free 'FAKO' score. These fake FICO scores come from credit-score simulators or off-brand scoring models"
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46. ^ Free Credit Reports, May 23, 2021
47. ^ Marketer of Free Credit Reports Settles FTC Charges, August 16, 2005
48. ^ Credit-based insurance scores: Impacts on consumers of automobile insurance Archived May 11, 2009, at the Wayback Machine A Report to Congress by the Federal Trade Commission July 2007
49. ^ No evidence of disparate impact in Texas due to use of credit information by personal lines insurers Dr. Robert P. Hartwig in January 2005. Insurance Information Institute
50. ^ "Allstate Insurance Company's Additional Written Testimony" (PDF). State of Michigan. July 23, 2002. Archived from the original (PDF) on March 26, 2004. Retrieved October 27, 2021.
51. ^ Use and impact of credit in personal lines insurance premiums pursuant to Ark. Code Ann. §23-67-415 Archived May 21, 2009, at the Wayback Machine (September 1, 2006) – A report to the legislative council and the Senate and House committees on insurance and commerce of the Arkansas General Assembly (as required by Act 1452 of 2003)
52. ^ Martin, Andrew (April 10, 2010). "As a Hiring Filter, Credit Checks Draw Questions". The New York Times.
53. ^ Alone our debts are a burden. Together they make us powerful.
54. ^ Debt, Collective (June 23, 2020). Can't Pay, Won't Pay: The Case for Economic Disobedience and Debt Abolition. Haymarket Books. ISBN 978-1-64259-382-2.
55. ^ Past Imperfect: How Credit Scores and Other Analytics "Bake In" and Perpetuate Past Discrimination (PDF), May 2016
56. ^ Democrats and Republicans in Congress agree: The system that determines credit scores is 'broken', February 27, 2019
57. ^ Marion Fourcade and Kieran Healy (2013), "Classification situations: Life-chances in the neoliberal era" (PDF), Accounting, Organizations and Society, 38 (8): 559–572, doi:10.1016/j.aos.2013.11.002
58. ^ Jacob Hacker (October 9, 2006), The Great Risk Shift: The New Economic Insecurity and the Decline of the American Dream: The Assault on American Jobs, Families, Health Care and Retirement And How You Can Fight Back, United States: Oxford University Press, ISBN 9780195179507
59. ^ Karen Li Xan Wong and Amy Shields Dobson (2019), "We're just data: Exploring China's social credit system in relation to digital platform ratings cultures in Westernised democracies", Global Media and China, 4 (2): 220–232, doi:10.1177/2059436419856090, hdl:20.500.11937/81128, S2CID 197785198
60. ^ Legislatures, National Conference of State. "Use of Credit Information in Insurance 2011 Legislation". Archived from the original on June 23, 2013. Retrieved October 23, 2016.
61. ^ a b c CFPB Orders TransUnion and Equifax to Pay for Deceiving Consumers in Marketing Credit Scores and Credit Products, January 3, 2017
62. ^ Two Major Credit Reporting Agencies Have Been Lying to Consumers, January 4, 2017
63. ^ Equifax to Pay $575 Million as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach, July 22, 2019
64. ^ TransUnion Sued in Federal Class Action for Continuing to Misreport Innocent Consumers as Terrorists on Credit Reports Despite Previous Punitive Damages Verdicts Against It for Similar Misreporting, August 25, 2020
65. ^ TransUnion Sued in Federal Class Action for Continuing to Misreport Innocent Consumers as Terrorists on Credit Reports Despite Previous Punitive Damages Verdicts Against It for Similar Misreporting, August 25, 2020

## External links

[edit]

* Trainor, Sean (July 22, 2015). "The Long, Twisted History of Your Credit Score". Time. Archived from the original on December 3, 2021. Retrieved January 28, 2022.
* "Credit Scores: What You Should Know About Your Own", by Malgorzata Wozniacka and Snigdha Sen (November 2004). Frontline. PBS.
* Klein, Aaron; Servon, Lisa (May 17, 2021). "To reform the credit card industry, start with credit scores". The Washington Post. Archived from the original on May 18, 2019. Retrieved May 28, 2021.