Financial Inclusion and Growth

The FICO® Financial Inclusion Initiative is focused on the development of new scoring products, partnerships, services, and platforms to empower lenders’ decision making and financial inclusion growth efforts around the world.

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A Path to Credit Access

With FICO® Scores currently in market and under development leveraging new alternative data sources, hundreds of millions of consumers who are currently credit invisible could have a path to access credit. Drawing on reliable new sources of data, FICO scores more creditworthy people who are unable to obtain credit using traditional credit bureau data alone. Whether establishing the first credit score for a nation or safely growing micro credit, FICO partners with credit reporting agencies and data providers around the world to extend credit access responsibly.

About FICO® Score XD


We believe that the key to increasing access to credit is to encourage lenders to test and use alternative data scores. To encourage broader adoption of FICO® Score XD and financial inclusion, FICO is excited to announce a 12-month promotional period (ending January 2022) during which we will waive FICO fees to its distribution partners when lenders pull a FICO® Score XD on consumers that do not have a traditional FICO Score.


Learn More

Learn more

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