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.
"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
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.