FICO® Score

The FICO® Score is used by 90 of the top 100 largest 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.

FICO® Score 10 Suite, Predictive Power, Palatability, Transparency

Improved predictive power, including trended data, without sacrificing the familiar FICO® Score user experience.


FICO solutions offer a wide range of capabilities, empowering you to make smarter, personalized decisions, streamline operations, and improve the customer experience.

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.


The score you know and trust with more power and flexibility than ever.
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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.

How it works

See how you can make your business goals a reality and overcome your toughest challenges with a solution trusted by leading organizations worldwide.

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.

Debt Collection & Recovery

FICO Introduces New FICO Score 10 Suite

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Sales Enablement

FICO Works to Keep Credit Flowing During Uncertain Economic Times

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From the FICO Blog

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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Simulated FICO Score Impacts from Balance Aggregation due to Mortgage Forbearance

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FICO Fact: Does FICO’s Minimum Scoring Criteria Limit Consumers’ Access to Credit?

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Learn more

Contact us to get more information.