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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 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.
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.
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.
Every day, new technology innovations are hatched in incubators, corporate research labs, universities and government institutions. But no matter where it originates, successful new technology follows a predictable evolution, migrating ove...
FICO® Score Open Access is a program that enables financial institutions to drive loyalty, trust and customer satisfaction while addressing industry calls for greater credit score transparency and financial literacy. FICO® Score Open Acces...
FICO® Score Open Access for Credit and Financial Counseling is a valuable program that enables credit and financial counseling providers in the US to share FICO® Scores already purchased — for example, for the purpose of providing financia...
It’s estimated that 30 million people in the US alone have one or more debts in collections, and household debt is on the rise. Significant 90-day delinquencies come from credit cards, mortgages (plus associated lines of credit), student l...