FICO® Score Innovation Lab

Search and explore the best options for you. For over 30 years FICO has partnered with stakeholders across the lending ecosystem to listen and respond to risk management needs. We’ve learned how important it is to reach beyond traditional credit bureau data to power responsible financial inclusion, and that Score layering is the preferred approach to offer the best analytic tool to solve unique risk management challenges, in contrast to “one size fits all” approaches.

Score layering preserves the integrity of the base FICO® Score used across the ecosystem as a consistent benchmark, while introducing new innovative scores that can power confident lending to new customer segments. To that end, FICO Score innovations have naturally fallen into three categories.