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FICO® Score Innovation Lab

A central hub where financial institutions and credit risk managers are empowered to explore our latest score offerings, FICO® Score portfolio benchmarking tools, financial inclusion opportunity modeling, and more. Take advantage of our interactive resources and accelerate your team’s credit risk strategy innovation to support your business objectives.

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Advancing lending analytics with Score layering

Search and explore the best options for you. For over 35 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.

Utilize the lab to address important business challenges

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Cash flow integration
How will you integrate cash flow assessment with traditional scoring methods in your strategic approach? Confidently delve into scenarios for extending credit to underserved markets by layering UltraFICO® Score, our FCRA-compliant cash flow score, alongside traditional scoring methods. This approach supports portfolio quality, advances responsible growth, and promotes greater financial inclusion, all enhanced by powerful analytics within the Inclusion Opportunity Explorer.
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Opportunity by state
Are you looking to spot opportunities to expand your portfolio in specific states? Explore regional and national markets using the Average FICO Score by State benchmarking tool to pinpoint growth opportunities in your consumer lending, mortgage, and auto portfolios. Compare your portfolios to state benchmarks and assess alignment with business objectives for more strategic lending decisions.
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Score upgrade benefit
What potential return on investment could you expect by upgrading to the latest FICO Score? Evaluate the potential returns of upgrading to FICO® Score 10 Suite using tailored assumptions and the FICO® Score 10 Adoption Explorer Tool, enabling informed portfolio strategy decisions and streamlined internal approvals.
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Reduce delinquencies
How would an upgrade to the latest model impact my delinquency rates? – As delinquencies increase, learn how switching to a new score version can safeguard your portfolio and lending strategy with the Serious Delinquency Rates by FICO® Score Band tool.
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Expand portfolio
Are you looking to expand your portfolio using alternative data? - Build a compelling foundation for expanding credit access by utilizing FICO® Score XD to discover new opportunities for financial inclusion. This approach helps identify and support new-to-credit borrowers, fostering long-term customer relationships while thoughtfully balancing risk management and sustainable growth.

Discover Insights

Explore FICO® Score benchmarking tools, financial inclusion opportunity modeling, and adoption accelerator resources to quickly understand how your portfolio compares and which score layering strategy might be right for you.

 

Average FICO® Score by State Benchmarking Tool

Explore regional FICO® Score trends by State or Metropolitan Statistical Area (MSA). Check trends for the FICO® Score version, industry and time periods of your choice.

 

Average FICO® Score by State Benchmarking Tool

 

Serious Delinquency Rates by FICO® Score Band

Benchmark your portfolio performance against the latest data from a large national sample. View the FICO® Score version, industry and time periods of your choice.

 

Serious Delinquency Rates by FICO® Score Band

 

FICO® Score Distribution Benchmarking Tool

Benchmark your recent applicant or portfolio score distribution against the latest data from a large national sample. View the FICO® Score version, industry and time periods of choice.

 

FICO® Score Distribution Benchmarking Tool

 

Inclusion Opportunity Explorer

 

Explore the business potential of greater financial inclusion powered by new scoring solutions that tap alternative data to better reach credit invisible and near-approval applicants.

 

Inclusion Opportunity Explorer

 

 

Try It

 

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Ready to dive deeper? For risk management teams, evaluating any new scoring strategy is exciting. Wouldn’t it be advantageous if you had a fast track to understand risk vs. reward and benefits to your portfolio line management to help you prioritize team investments? Now you do! Interested in accelerating your organization’s evaluation or adoption of new scoring products that advance financial inclusion? Need help evaluating the potential impact and benefits of moving to the FICO® Score 10 Suite? Get in touch with one of our subject matter experts to explore pilot testing programs available across the FICO Score portfolio of products.
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