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FICO® Analytic Consulting

Analytics, Communications, Debt Management, Marketing & Customer Engagement, Originations, Risk & Compliance, Scores

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® Collection Optimization

Communications, Debt Management, Scores

Collection Optimization uses FICO’s sophisticated decision modeling algorithms to quantify the impact of business decisions and actions on debt collection and recovery outcomes. With the ability to run “what if” scenarios and “stress test” results, managers easily and confidently choose the optimal decision for virtually any aspect of collection operations, including placements, settlements, resource allocation and other business issues.

FICO® Data Orchestrator

Analytics, Risk & Compliance, Scores

FICO® Data Orchestrator is a SaaS or on-premises data retrieval and mapping solution that can access, gather and transform data from corporate or public facing information services, such as credit reference agencies. Organizations can transform  multiple sources of data to improve operational intelligence, risk management and usability. The open, pluggable architecture lets developers incrementally add new data interfaces to an existing system, or construct a product library to use in other implementations.

FICO® Insurance Scores

Scores

FICO® Insurance Scores (formerly known as Credit Based Insurance Scores) give property and casualty underwriters an instant assessment of prospect, applicant or policyholder risk based on credit reporting agency data. These industry-leading scores have helped more than 300 insurers in North America make better decisions based on future claims/loss expectancy. FICO also offers scores that assess property risk based on property inspection and application information.

FICO® Medication Adherence Score

Scores

The FICO® Medication Adherence Score helps health care organizations improve the effectiveness of their care, case and utilization management programs, and helps pharmaceutical manufacturers strengthen their programs for education and outreach. By identifying each patient’s propensity toward medication adherence over the next 12 months, this fully HIPAA-compliant solution helps direct activities to patients at highest risk of noncompliance, improving program efficiency and maximizing results.

FICO® Mortgage Score

Scores

The FICO® Mortgage Score 1.0, powered by CoreLogic®, combines unique consumer credit data from CoreLogic with traditional credit data from the national credit reporting agencies to deliver a comprehensive and accurate view of a consumer’s credit risk profile when prequalifying or originating mortgage loans.

FICO® PreScore®

Scores

FICO® PreScore® Service combines FICO® credit bureau score delivery, strategy consulting and campaign analytics to help US credit grantors execute more profitable prescreening campaigns. Leading US lenders have relied on our PreScore experts’ knowledge to conduct thousands of successful campaigns and significantly improve results.

FICO® Score

Scores

The FICO® Score, available at the three major consumer reporting agencies, helps lenders make accurate, reliable and fast credit risk decisions across the customer lifecycle. The FICO® 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® Score Adoption Services

Scores

FICO® Score Adoption Services leverage FICO’s industry-leading analytics and strategy expertise to facilitate score validation and adoption, analyze the score’s business impact and maximize value via enhanced decision strategies.

FICO® Score Economic Calibration Service

Risk & Compliance, Scores

Confidently address regulatory stress testing requirements, evaluate the impact of economic shocks on consumer credit risk and develop economically sensitive credit policies with insight into the forecasted probability of default (PD) by FICO® Score range, product type and geography.  To meet the Federal Reserve’s stress testing requirements such as CCAR (Comprehensive Capital Analysis and Review) and DFAST (Dodd-Frank Stress Testing) forecasted PDs to be used for benchmarking  inclusion in stress test models are readily available for each of the three regulatory scenarios; baseline, adverse and severely adverse over the requisite nine quarter horizon.  Inform business strategies and capital allocation decisions with forecasted PDs aligned with custom economic scenarios to mitigate losses and improve business results.   

 

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