FICO® Resilience Index

More precisely predict a borrower’s resilience to future economic disruptions.

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Overview

Discover and manage latent risk

FICO® Resilience Index can allow financial institutions to discover and manage latent risk within groups of consumers bearing similar FICO® Scores, without cutting off access to credit for resilient consumers. Leveraging traditional consumer credit data, it is designed to rank-order consumers by their sensitivity to a future economic downturn. It offers a simple, powerful complement to the FICO Score for an array of use cases.

Capabilities

FICO® Resilience Index enables lenders to better:

Prepare for cyclical downturns

Assess loan portfolio vulnerability more accurately

Adapt credit marketing and origination strategies to account for resilience

Proactively manage portfolio resilience and improve stress testing outcomes over time

Refine loss allowance estimates

Features

With a rich feature set of advanced tools, FICO empowers business users to make faster, smarter, customer-focused decisions.
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Use in conjunction with the FICO® Score

Create a dual score matrix or as an additional decision key.

Can be delivered with a credit file along with the FICO® Score

Easily integrate into existing processes.

Scaled from 1 to 99 — with lower values representing greater resilience to economic stress

Simple and easy to understand format, differentiated from FICO® Score scaling.

Delivered with up to five reason codes

Helpful in understanding FICO® Resilience Index output. Supports adverse action communication if necessary.

From the FICO Blog

Get the latest insights, solutions, and strategies for improving business results from the FICO experts and thought leaders.
June 29, 2020

FICO Resilience Index Now Available for Lenders to Pilot

FICO works to keep credit flowing during uncertain economic times
Read more
November 10, 2020

New Data Underscores Strong Performance of the FICO Resilience Index

Recent loan accommodation requests correlated to FICO Resilience Index values
Read more

Learn more

Contact us to get more information.