The FICO Data Privacy Policy explains FICO’s collection and use of cookies. Cookies help us remember your settings to provide you with a better browsing experience; allow us to assess, monitor, and improve the website’s performance; and enable our partners to advertise to you. You may disable the cookies by changing the settings in your browser, and you may tell us not to share your cookie data with third parties. By using this website, you consent to the use of cookies as described in the FICO Data Privacy Policy.
With increasing regulatory pressures and a shifting competitive landscape squeezing profits, banks looking to drive growth also need to drive innovation. Retail bankers can apply a wide range of FICO® Scoring Solutions and Services to fine-tune their credit risk decisions throughout the customer lifecycle.
Banks use FICO® Scores to gauge the likely creditworthiness of a new customer and to make decisions on products and terms based on their credit risk. FICO® Scoring Solutions form the basis of sound and fair lending across the retail banking industry. Credit cards, auto loans, mortgages, student lending and asset-back securitizations are all served by the predictive power of FICO® Scoring Solutions for Retail Banking.
Empowering fair and responsible lending across the industry.
Auto Loans Auto lenders looking to drive better bottom-line results can benefit from flexible Scoring Solutions specific for the auto industry. Gain insights to streamline applicant approvals, set the right terms at origination, while minimizing exposure, collection and recovery costs, and maintaining portfolio value.
Credit Cards From traditional origination and account management functions to sophisticated affordability calculations, FICO® Scoring Solutions complement a flexible and scalable approach to credit card management — across the organization and across channels.
Mortgages For risk assessment of first mortgages, home equity loans, prescreen selection and to assess for capitalization on the secondary market, lenders, investors and servicers have trusted the independent FICO® Score for decades to make sound lending and investing decisions.
The ubiquitous language of credit risk, FICO® Scoring Solutions serve organizations of all sizes from credit unions and community banks to global financial organizations.
The FICO® Score is used by 90 of the top 100 largest US lending institutions for their risk assessment needs.
Deepen customer relationships through credit education and transparency.
Giving bankcard issuers the ability to identify credit worthy, previously unscorable, borrowers.
Providing deep analytics knowledge and broad experience of how to assess and evaluate scores.
Get a consistent and common measure of consumer credit health.
Fair, responsible, compliant lending through deeper customer insights.
The consumer-powered score. See where it can take you.
Wildfires, floods, hurricanes, tornados, cyclones, earthquakes, volcanoes—natural disasters strike quickly and with little warning. While there is a lot of good advice on how to prepare to protect your health and safety, you also need to p...
Will Lansing, FICO CEO is joined by partners Experian and Finicity to discuss the future of consumer-permissioned data. As a participant in the credit decisioning world, learn how you can embrace more consumer interaction and control, to i...
Industry thought leaders, Finicity, Experian and FICO discuss the potential of consumer contributed data in credit scoring to responsibly improve the credit score process and reach more consumers.
The FICO® Score is the independent standard in credit risk scoring, trusted by lenders and investors for decades so they can say “yes” with confidence to more consumers. FICO’s enduring focus on innovation has facilitated access to credit ...