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FICO Score

Measure consumer risk with the world's leading credit risk score

FICO® Scores, available at the three major credit reporting agencies, help lenders make accurate, reliable and fast credit risk decisions across the customer lifecycle. The scores rank-order consumers by how likely they are to pay their credit obligations as agreed. As the most widely used broad-based risk score, FICO Scores play a critical role in billions of decisions each year. Originally released in the US, FICO Scores are now deployed in 21 countries. The FICO® 8 Score, the latest US version, increases predictive accuracy by up to 15%, especially for consumers who have recently sought new credit and those with prior credit blemishes.

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Features & Benefits

Get a broad-based view of risk

FICO Scores provide a consolidated view of how consumers repay credit obligations, including accounts held by other lenders. The scores are empirically built using credit bureau data from millions of consumers. FICO Scores are updated regularly to reflect changes in consumer behavior and lending practices.

Extend credit with confidence

FICO® Scores are highly predictive measures of applicant and customer risk. Lenders can better determine, for example, which consumers to target, how much credit to extend and whether to raise a credit line.

Attain targeted risk control from a multi-scorecard design

A FICO® Score is generated using multiple scorecards, with each scorecard tuned to assess risk for a specific consumer segment—for instance, consumers with serious delinquencies. To streamline model updates, scorecards are aligned to reflect similar risk across FICO scoring systems and releases.

Achieve consistency—and compliance

FICO Scores help lenders make consistent, unbiased risk decisions, and support compliance with national, local and global regulatory requirements, such as Basel II. FICO works to ensure the scores are understood and accepted by regulators worldwide.  

Get the score widely accepted by industry leaders

FICO® Scores are used by Fannie Mae, Freddie Mac and the FHA in the mortgage secondary market; and Standard & Poor's and Fitch IBCA ratings agencies that enable securitization of industry loan pools into bond securities.

Support compliance and customer relationships with reason codes

FICO® Scores come with reason codes that indicate why the score was not higher. These support regulatory compliance and communication with consumers so they can improve their credit standing over time.

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