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FICO® Score

FICO® Scores are used by 90% of the top US lending institutions for their risk assessment needs.

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More accurately assess consumer credit risk

The FICO® Score is used by lenders to help make accurate, reliable, and fast credit risk decisions across the customer lifecycle. The credit risk score rank-orders consumers by how likely they are to pay their credit obligations as agreed. The most widely used broad-based risk score, the FICO Score plays a critical role in billions of decisions each year.


Get a broad-based view of risk

FICO® Scores provide a consolidated view of how consumers repay credit obligations, including accounts held by other lenders. The scores are empirically built using consumer bureau data from millions of consumers. FICO Scores are updated regularly to reflect changes in consumer behavior and lending practices.

Extend credit with confidence

FICO® Scores are highly predictive measures of applicant and customer risk. Credit grantors can better determine, for example, which consumers to target, how much credit to extend, and whether to raise a credit line.

Attain targeted risk control from a multi-scorecard design

A FICO® Score is generated using multiple scorecards, with each scorecard tuned to assess risk for a specific consumer segment — for instance, consumers with serious delinquencies. To streamline model updates, scorecards are aligned to reflect similar risk across FICO scoring systems and releases.

"FICO is seen as an industry leader in model development technology, strategy, in pretty much anything when it comes to data and data mining analytics."

Alfred Furth
Capital Services
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Gain all the benefits of new innovations, backward compatibility with prior FICO® Score versions eases adoption.


Use the FICO® Score that best captures today’s consumer credit behavior and grow portfolios responsibly.


Always safe and sound, the most widely used and trusted credit risk score for responsible lending decisions helps lenders comply more easily and confidently with existing US regulations.

FICO® Score 10 Suite

The FICO® Score 10 suite outperforms all prior FICO® Scores, offering the precision you need based on a proven scoring blueprint. Now featuring FICO® Score 10 T which integrates trended data. The choice is yours.

Achieve consistency and compliance

FICO® Scores help lenders make consistent, unbiased risk decisions, and support compliance with national, local, and global regulatory requirements, such as Basel II. FICO works to ensure the scores are understood and accepted by regulators worldwide.

THE score widely accepted by industry leaders

The FICO® Score is used by Fannie Mae and Freddie Mac. It is used by rating agencies including Standard & Poor's and Fitch IBCA in the securitization of industry loan pools into bond securities.

Support compliance and customer relationships

A FICO® Score comes with reason codes that indicate why the score was not higher. These support regulatory compliance and communication with consumers so they can improve their credit standing over time.

News, press and updates

Latest news about FICO Score.
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FICO Works to Keep Credit Flowing During Uncertain Economic Times

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FICO Introduces New FICO Score 10 Suite

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From the Blog

February 03, 2020

Innovation Never Sleeps: Why We Redevelop the FICO Score

FICO Score 10 Suite gives lenders unparalleled flexibility and predictive power to make even more precise lending decisions
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VIDEO: Fighting Bias in AI, Analytics and Scores

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FICO Celebrates 30th Anniversary of the FICO Score

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New Data Underscores Strong Performance of the FICO Resilience Index

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US Bankcards Industry Benchmarking Trends: 2023 Q1 Update

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Prosper Extends Credit Access to 200K Near-Prime Clients with FICO Scores

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