FICO® Score XD

Giving lenders the ability to identify credit ready, previously, unscorable borrowers.

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Start Extending Your Scorable Universe by Millions of Consumers

Lenders have the opportunity to extend credit to millions of U.S. consumers who otherwise cannot be scored appropriately, either due to insufficient or stale data in traditional credit bureau files. FICO® Score XD — developed in partnership with LexisNexis® Risk Solutions and Equifax® — is a score that leverages alternative data sources to give lenders a second opportunity to assess otherwise unscorable consumers. FICO Score XD is designed with precision and compliance in mind to enable lenders to safely extend credit to a largely unserved market using an accessible and familiar FICO® Score.

FICO® Score XD - How it works

Giving lenders the ability to identify credit ready, previously unscorable borrowers.

About FICO® Score XD


FICO is a long time analytic leader in incorporating alternative data in credit scoring models to help expand credit access for consumers that don’t receive a FICO Score using traditional credit bureau data alone. As part of our Financial Inclusion Initiative, FICO developed FICO®Score XD using alternative data - data that resides outside of traditional credit files - to address the 25M credit invisible consumers.

To learn more about FICO® Score XD please download FICO’s white paper:


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

Realize rapid portfolio growth

Research shows that roughly one third of scored applicants score 620 or higher.

Streamline score integration

Into operations and strategies with existing Equifax connectivity, and the same 300–850 scale as the FICO® Score.

Help consumers

Establish and re-establish credit, and realize long-term loyalty from customers.
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How it works

Start extending your scorable universe by millions of consumers.

Statistics, Numbers & Data

See how FICO helps deliver real business results and better customer experiences for leading organizations across industries and around the world.


FICO® Score XD generates a score on more than 70% of previously unscorable credit applicants, many of whom may have been denied due to lack of prior credit history.


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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FICO, LexisNexis® Risk Solutions and Equifax® Partner to Expand Access to Credit with Debut of FICO® Score XD

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FICO and Círculo de Crédito Bring World’s Leading Credit Score to Peru

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From the FICO blog

Get the latest insights, solutions, and strategies for improving business results from the FICO experts and thought leaders.
February 03, 2021

FICO Continues Commitment to Alternative Data to Responsibly Increase Credit Access

FICO is waiving FICO fees for all new FICO Score XD customers for the next 12 months.
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March 09, 2021

Expanding Access to Credit Through Alternative Data

The UltraFICO Score enables lenders to make more refined credit decisions than they can with the tra…
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November 03, 2017

FICO Receives Analytics 50 Award for FICO Score XD

Drexel University’s LeBow College of Business and have named analytic software firm FICO a w…
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Get in touch

Connect with FICO for answers to all your product and solution questions. We look forward to hearing from you.