- Analytics
- AI & Machine Learning
- Centralized Decision Service
- Data Distillery
- Model Management
- Optimization
- Optimization in Manufacturing
- Marketing & Customer Engagement
- Data Integration
- Personalized Engagement
- Fraud and Security
- Enterprise Security Score
- Enterprise Fraud
- Cyber Security
- Fraud & Security Insights
- Scores
- FICO® Score
- Auto Scoring Solutions
- Bankcard Scoring Solutions
- Retail Banking Solutions
- Mortgage Scoring Solutions
- Scoring Consulting Services
- FICO® Score for International Markets
- Debt Management
- Collections and Recovery Management
- Collection Communications
- Communications
- Mobile Fraud Alerts
- Collections
- Customer Service
- Origination
- Alternative lending
- Consumer Credit
- Leasing
- Merchant Onboarding
- Small Business Credit
- Compliance
- Anti-Money Laundering
- Counter-Terrorism Financing
- Know Your Customer
- Tax Compliance
- Business Partner Due Diligence
- Compliance Cloud
- Anti-Financial Crime Solutions
- CECL Impairment Management
- IFRS 9 Impairment Management
- Top Products
- FICO® Xpress Optimization
- FICO® Decision Management Suite
- FICO® Decision Central™
- FICO® Score
- FICO® Score Open Access
- FICO® Payment Integrity Platform
- FICO® TONBELLER® Siron® AML
- FICO® TONBELLER® Siron® KYC
- FICO® Debt Manager™ solution
- FICO® Falcon Fraud Manager
- FICO® Origination Manager
- FICO® TRIAD® Customer Manager
- FICO® Blaze Advisor® Decision Rules Management System
- FICO® Strategy Director for Deposit Management
- Need help with a product?
- View Product Support »
- See Our Entire Product Listing »
- Financial Services
- Auto Lending
- Bankcard
- Collection Agencies
- Leasing
- Mortgage
- Retail Banking
- Small Business Lending
- Insurance
- Healthcare
- Life Insurance, Annuity and Pension
- Property and Casualty
- Customer Communication Services
- Public Sector
- Federal, Ministerial, and Civic
- State, Provincial, and Local
- Pharma and Life Sciences
- Medical Devices
- Pharma
- Pharmacy Benefit Manager
- Retail Pharmacy
- Education
- Academic Engagement Program
- University
- Retail
- Retail
- Manufacturing
- Technology
- Utilities
- Telecommunications
- Transportation and Travel
- Learn how BMW sped up its customer communications
- Read More
- Platform
- FICO Decision Management Platform
- Connected Decisions
- FICO DMP & Decision Management Suite
- DMS Services
- Authoring Tools
- Analytics
- Decisioning
- Optimization
- Application Development
- Resources
- Community
- Partner Portal
- Marketplace
- FICO Analytic Cloud: Your portal for operationalizing analytics and decisioning.
- Go There
- FICO Blog
- Case Studies
- Videos
- News Releases
- White Papers
- Infographics
- eBooks
- Product Sheets
- Learn about FICO Products and Solutions whenever is convenient for you.
- On-Demand+Webinars
- View all our assets >>
- About us
- Careers
- Newsroom
- Acquisitions
- Investors
- Legal
- Contact & Locations
- Careers At FICO
- Read More
- The Score Lenders Use
Analytics
- AI & Machine Learning
- Centralized Decision Service
- Data Distillery
- Model Management
- Optimization
- Optimization in Manufacturing
Marketing & Customer Engagement
Debt Management
Communications
Origination
Compliance
Need help with a product?
FICO offers all licensed clients use of a secured, self-service Web portal for Product Support, FICO Online Support. FICO Online Support allows users to self help on their issues 24 hours a day, 7 days a week.Financial Services
Insurance
- Healthcare
- Life Insurance, Annuity and Pension
- Property and Casualty
- Customer Communication Services
Public Sector
Pharma and Life Sciences
Education
Retail
Learn how BMW sped up its customer communications
“Using FICO Customer Communication Services, we get a secure, highly flexible, robust solution with a low cost of entry, and we can leverage the expertise of a valued partner, which allows our in-house maintenance support to focus on other key internal priorities and platforms.”
- Wayne Orchowski, CEO BMW
Authoring Tools
Resources
FICO Analytic Cloud: Your portal for operationalizing analytics and decisioning.
Customer data is more widely available than ever, but leveraging data to drive smarter decisions requires new thinking and a new kind of agility. Cloud-based decision management – the seamless marriage of data-driven insights and codified decision logic with applications that reach your customers where and when they want – is the key to operationalizing analytics to automate and optimize customer engagements. The FICO Analytic Cloud is where this journey begins…Learn about FICO Products and Solutions whenever is convenient for you.
Careers At FICO
Are you ready to fulfill your potential? FICO offers big career opportunities in Big Data Analytics from California to New York, London to Bangalore and Beijing.Ever wonder how Círculo de Crédito can help millions
more Mexicans get access to credit?
FICO Extended Score uses census data to generate household view of credit risk
Meet Círculo de Crédito
With more than ten years in operations and a healthy 45 percent market share, Círculo de Crédito provides data, custom solutions and valued-added products – like FICO® Scores – for banks, retail, micro-financers, telecommunications and government institutions in Mexico. Today, Círculo de Crédito provides credit information on 60 million Mexicans, and processes more than 150 million credit transactions a year from 1,200+ credit institutions.
Roughly 9.9 million Mexican consumers lack a traditional credit history to calculate a reliable score. At the heart of the problem is that there was no way to authenticate identity and associated risk for these citizens. Círculo de Crédito turned to applying additional bureau data to build out a more accurate view of an individual’s propensity to repay their debt.
Fueling Financial Inclusion
Círculo de Crédito’s mission is to create a progressive credit environment that minimizes risk and promotes greater access to credit for Mexican society. Círculo had an idea that they could learn more about the credit-worthiness of the consumer by the people who live with them.
FICO did the research on this household data to leverage the payment history of the people around consumers with limited or no credit history through a combination of the FICO® Score for International Markets and FICO® Extended Score. The Extended Score expands the scorable universe by millions of consumers and has shown to enable lenders to score approximately 40% of all applicants that have previously been unscorable.
Círculo is proud to empower citizens like students and stay-at-home mothers with a FICO® Score of their own.
Resources
Related Customer Success Stories
Want to take your business to new heights?
Request more information. Enter your information and we will respond directly to you.