Latest FICO® Score Distribution

US Credit Quality Rising … The Beat Goes On

FICO just published new research – including the latest FICO® Score distribution, average FICO® Score and delinquency trends – showing US consumer credit quality continues its slow-and-steady upswing. The question prudent lenders should now ask is: "How long can this trend go on?"

FICO® DMN Modeler

Improve your decision strategies with FICO® DMN Modeler – for free!

The Digital Generation: Banking

Millennials 2 To 3 Times More Likely To Switch Banks

New FICO research explores how tech-savvy consumers are transforming the banking industry including the effects of digital banks, how financial institutions keep customers happy and what drives consumers and Millennials in particular to switch banks.


90% of top U.S. lenders use FICO Scores when making lending decisions — and for good reason.

FICO Scores evaluate the information in credit reports with a complex algorithm that’s been perfected over 50 years by FICO.  Get your FICO Scores and credit reports from all three credit bureaus and start to understand how lenders are evaluating your credit health.



To make smarter decisions

More information allows for more precise decisions. FICO analytics use available data to produce the best decisions possible. FICO's proven science leverages the latest technology to drive consumer behavior insights and optimize business processes.


Taking analytics into the cloud.

The FICO Analytic Cloud combines FICO’s market-leading applications, decision management tools, and analytics authoring capabilities to bring you all of the analytics horsepower you expect from FICO in a robust and secure self-service cloud infrastructure. Together with FICO’s communities and marketplace, the FICO Analytic Cloud is your source for analytics innovation and collaboration.


BMW Speeds Customer Communications


BMW helps more than 1 million BMW customers select and maintain financing options, protect their vehicles and make the transition to a new car.  In order to properly represent their brand, BMW sought to develop a more tailored telephone contact with customers while driving retention and enriching the customer experience.  

Read more about how BMW chose FICO® Customer Communication Services to offer personalized leasing and financing options to BMW customers.


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