FICO or credit scores are now at record highs. The question is why? After all debt is at record levels. It’s a combination of events. The Obama admin helped to artificially boost scores by implementing regulations. In addition, many people who were wiped out during the great recession have seen their scores increase and heal because they’ve been shut out of the credit markets. All-in-all, the trend is favorable and we haven’t any retracement yet, so it’s full steam ahead for the economy.