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FICO® Score X Data

A consistent, predictive risk score using alternative data to help lenders expand their customer base with more confidence.


About FICO® Score X Data

Lenders outside the U.S. now have the opportunity to extend credit access to millions of consumers who otherwise could not be scored responsibly due to insufficient data for those consumers in traditional credit bureau files. FICO® Score X Data is a flexible solution that can be delivered in countries through credit reporting agencies or on premises at the lender. Through our growing global partner network, FICO has the unique ability to leverage alternative data sources such as telco, mobile payment, and digital footprint to provide reliable credit risk scoring for consumers who can’t be scored with traditional credit bureau data alone.



Realize rapid portfolio growth. Through implementation, previously unscorable consumers could now be scored with FICO® Score X Data, providing a potential path of financial inclusion for consumers.


Adapt in any region and gain insight into additional dimensions of consumer risk outside of traditional credit bureau files.


Garner new business and loyalty from new to credit, immigrants, micro-business owners and other unbanked populations as they enter mainstream credit.

"FICO® Score X Data enables us to better underwrite new clients from both online and offline channels, promoting our mission to serve segments not covered by traditional scoring."

Tomas Klinger, Decision Science and Data Director
Home Credit
Happy people signing a loan
Say yes more often.
Enables portfolio growth into consumer populations that previously could not be scored through the addition of non-traditional data.
Take advantage of new alternative data sources
Delivery platforms and mobile technology, for scalable access to credit that addresses the unique needs of each country. Contact us to learn more.

Additional Dimensions of Credit Risk for Lending Decisions

The FICO® X Data Score can be calculated using characteristics from a combination of data sources. And when appropriate, it can be leveraged in a dual score strategy as complementary to FICO® Scores based on local credit bureau data. FICO Score X Data provides insight into additional dimensions of credit risk for use in lending decisions. With a consistent, predictive risk score using alternative data, lenders can help expand their customer base with more confidence.


Learn what’s happening in the world of advanced analytics and data-driven decision management with the latest news, updates, and ideas from the FICO Newsroom.
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From the Blog

Get the latest insights, solutions, and strategies for improving business results from the FICO experts and thought leaders.
March 25, 2020

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February 03, 2021

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