While the majority of Americans have FICO® Scores, more than 50 million American adults do not. Without a credit score, these so-called “credit invisibles” have difficulty gaining access to mainstream credit. So, why not just assign them a score? Because for these people, any score generated by any company using traditional credit bureau data would be both unreliable and harmful. On the other hand, a new FICO® Score based on alternative data – data found outside the credit bureau files – has the potential to help millions of these Americans get access to mainstream forms of credit. Here’s a new infographic explaining the challenges and opportunities in more detail.