Financial Empowerment and Inclusion

myFICO offers consumers an all-in-one solution for understanding their credit with FICO® Scores, credit reports and alerts from all 3 bureaus. Consumers can get the right FICO® Score for their credit goals, including the versions most frequently used when applying for a mortgage, auto loan or credit card. myFICO’s tools and analysis enable consumers to simulate credit events and gain insights into their credit, including what is helping and hurting their FICO Score. With the new Free Plan, myFICO also offers access to 200M+ eligible consumers to view their FICO Score for free at myFICO.com/free.

FICO® Score Open Access is a program that helps educate consumers on FICO® Scores and increases consumer access to FICO® Scores in the US and Canada. Over 200 financial institutions provide FICO® Scores for free to their customers through the FICO® Score Open Access program.

FICO has always supported and worked toward a more inclusive financial system. FICO continues to spearhead efforts globally to help people gain access safely and securely to mainstream financial products, while helping lenders expand their customer base through new scoring innovations. We are on the forefront of financial inclusion by focusing on innovation, for example: 

• FICO® Score 10 T with trended data can help significantly more consumers qualify for credit. 
• FICO® Score XD and the UltraFICO® Score – which augment traditional credit bureau data with rich alternative data, such as telecom, utilities, public record, and checking account data. 
• FICO® Score Innovation Lab is a central hub where financial institutions and risk managers can explore the latest credit and FICO® Score trends, portfolio benchmarking tools, financial inclusion ROI calculators and more.

Score A Better Future® and Fundamentals (SABF) provides attendees with the knowledge and tools needed to achieve their dreams, through free education sessions and free personalized credit counseling

FICO® Score Open Access for Credit & Financial Counselors enables credit and financial counseling providers to share FICO® Scores with their customers. Over 100 counseling organizations are participating, and more than 250,000 credit scores have been shared with consumers through this program.

Lenders Leading Inclusion Program, is a unique, exclusive program for lenders to expand lending responsibly to traditionally underserved populations

FICO® Educational Analytics Challenge, created to amplify diversity, equity, and inclusion in data science at Historically Black Colleges and Universities (HBCUs). The semester-long initiative provides student teams with real-world practitioner challenges and imparts technical skills to prepare them for data science careers.