Technology is Only Part of the Blueprint

What consumers and lenders need to know about the most widely used credit scores in lending decisions. Understand how lenders evaluate credit risk for loans and other credit with FICO Scores.

Consumer reporting agencies (CRAs) — Experian®, Equifax® and TransUnion® — are changing the data standards and service level requirements of the public record data they maintain.

Faster lending decisions that more accurately assess risk of small- and medium-sized enterprises

Reduce fraud losses by detecting merchant compromise faster

There is more than one type of credit score, but FICO® Scores are used in 90% U.S. of lending decisions, making FICO® Scores the most widely used credit scores.

The benefits of actively using FICO Customer Management tools and steps to achieving maximum value

FICO’s best-in-class analytical models, and the intuitive visualization and investigation interface enables prompt and effective action against fraud

Research explores the minimum amount of data required to build accurate, reliable credit scores

Insights - As lenders reduce or close credit lines to mitigate exposure, new research explores its impact on FICO scores

The most widely-used credit scores are FICO® Scores, the credit scores developed by FICO and available through consumer reporting agencies.

Your first defense against counterfeit card fraud

Expanding Credit Opportunities

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

FICO Optimization Solution for Mortgage Pricing Make the right pricing decisions using advanced analytics