FICO® Score


The FICO® Score helps lenders make accurate, reliable and fast credit risk decisions across the customer lifecycle.The credit risk score rank-orders consumers by how likely they are to pay their credit obligations as agreed. The most widely used broad-based risk score; the FICO® Score plays a critical role in billions of decisions each year. The latest US version, FICO® Score 9 is the most current and predictive FICO® Score.

FICO® Scores are available for lenders through our worldwide network of credit reporting agency partners. Lenders interested in licensing and pricing information can contact their local credit reporting agency for details.


Learn About FICO® Score and Its Long History

Fair Isaac Advisors Account/Customer Management Processor TRIAD Consulting


TRIAD Customer Manager is integrated with the processor platform, delivering world class strategy selection, deployment and monitoring for decisions.

FICO embeds advanced analytics, both FICO® Scores and user-defined scores, and tools such as FICO® Blaze Advisor® decision rules management system and FICO® Model Builder for Decision Trees for data-driven strategy production (functionality varies at each processor).

Our team will help guide you through the start up project, working closely with many areas within your company and the processor to ensure that business objectives are met on conversion and that your company is fully trained on the benefits and use of the software.

Worldwide through a number of established card processors

FICO Origination Manager Essentials—Small Business

Why use the same manual origination process for a $50,000 small business loan that you would for a $5 million loan? FICO® Origination Manager Essentials-Small Business automates lending decisions, increasing account profitability and approval rates. All without additional risk.

  • Pre-built rules and workflows are tailored for small business loans, leases, lines of credit and commercial cards.
  • Simple tools allow your lending experts to refine the application steps and parameters for qualification.
  • Ready-made data connections provide application data, consumer bureau data and commercial bureau data.
  • FICO® Small Business Scoring Service℠ (SBSS℠) provides insight into business-specific risk.
  • Information retention makes compliance and auditing easy.

It's easy to get started with Origination Manager Essentials using a streamlined, three-step process.

FICO® Analytic Consulting

Analytics, Debt Management Solutions, Marketing & Customer Engagement, Originations, Risk & Compliance

FICO® Analytic Consulting helps you attain the best predictive models for your business needs—whether you’re new to scoring or have an experienced in-house analytic team.  FICO Analytic Consulting's predictive models provide significant benefits used on their own or as an integral part of FICO’s decision management solutions.  Use empirically derived custom models tailored specifically to proprietary product portfolios and customer bases, as well as pooled-data and expert (knowledge-based) models to reduce the time, expense and data demands of custom development.

FICO® Analytic Modeler Scorecard


FICO® Analytic Modeler Scorecard is built for the business analyst who is new to predictive modeling. This intuitive software, hosted in the FICO® Analytic Cloud and available for on-premises deployment as part of the FICO Decision Management Suite, can automatically create and explore effective predictive models.  Unlike other scorecard solutions, FICO® Analytic Modeler Scorecard provides interactive visualizations that give insights into the most important predictive patterns and factors driving business outcomes.

If you are an experienced analyst who needs more advanced scorecard building capabilities and control over the model and resulting documentation, FICO® Analytic Modeler Scorecard Professional powered by Xeno® may be the right tool for you.

FICO® Analytic Modeler Scorecard Professional


A shortage of analytic talent plus the complex nature of most modeling products lead many companies to either outsource model development or take a “homegrown” route lacking standardization.  Resulting models can fail to meet regulatory standards, prove difficult to integrate and impede productivity.

FICO® Analytic Modeler Scorecard Professional empowers the experienced business analyst with a sophisticated and intuitive point-and-click scorecard development tool that efficiently adjusts for imperfect data, addresses competing objectives, and builds best-of-breed transparent models that align to business expectations, meet regulatory requirements and ease the audit process.

FICO® Analytic Offer Manager

Marketing & Customer Engagement

FICO® Analytic Offer Manager uses predictive analytics to develop highly-personalized marketing offers based on an individual's engagement. The resulting offers match closely a prospect's purchasing behavior while supporting business objectives. 

FICO® Application Fraud Manager

Fraud & Security, Originations

Prevent first-and third-party application fraud through detection across multiple products and channels. Gain access to world-class analytics that can be deployed quickly to protect new products and enhance existing fraud investments.

FICO® Application Fraud Manager can help businesses in any industry to stop credit fraud where it starts: at the point of application. This FICO solution gives firms in a wide range of industries – banking, insurance, telecommunications, retail, government and more – access to FICO’s market-proven, industry-leading analytic technology.

FICO® Collection Scores

Analytics, Optimization, Originations, Scores

FICO® Collection Scores provide a consolidated view of how consumers repay credit obligations held by lenders and credit issuers, updated regularly to reflect changes in consumer behavior and lending practices. Did you know FICO Scores are deployed in 21 countries? The latest US version of the FICO® Score increases predictive accuracy by 15% to 20%, especially for consumers who have recently sought new credit and those with prior credit blemishes. 


FICO® Decision Central™

Analytics, Risk & Compliance

FICO® Decision Central™ manages all decision assets and analytic models across the entire lifecycle. FICO® Decision Central™ minimizes compliance risk with streamlined validation reporting, consistent workflow processes, automated approval capture and accurate audit trails. By enhancing model performance, it allows businesses a single pane of glass to manage risk. 

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