Competition for the best credit card customers has never been more fierce. FICO can help you acquire and retain profitable customers with analytics, customer engagement tools, and automated decisioning capabilities so you can make the best possible decisions in real time. 

FICO offers a number of ways to empower you to make smarter, personalized decisions. 

• Marketing — target the right prospects with the right offers through the right channels. 
• Account opening — deliver a fast, frictionless, digital-first account opening experience. 
• Credit risk scoring — make informed and profitable decisions using enhanced credit risk strategies. 
• Payments fraud — leverage machine learning and artificial intelligence to stop payments fraud and give your customers peace of mind 
• Credit Limit Optimization — make more profitable limit setting decisions on a customer-by-customer basis with powerful prescriptive analytics.
• Collections management — collect more while striking the perfect balance between operational efficiency and customer experience. 

Build a profitable personal loan portfolio by making the best real-time decisions to deliver a personalized customer experience. 

• Marketing — target the right prospects with the right offers through the right channels. 
• Account opening — deliver a fast, frictionless, digital-first account opening experience. 
• Credit risk scoring — make informed and profitable decisions using enhanced credit risk strategies. 
• Identity and authentication — stop application and account takeover fraud with best-in-class fraud detection, and authentication capabilities. 
• Pricing optimization — make more profitable pricing decisions on a customer-by-customer basis with powerful prescriptive analytics.  
• Collections management — collect more while striking the perfect balance between operational efficiency and customer experience. 

Modernize your mortgage lending process from pre-qualification to pricing to underwriting to improve customer experience. 

• Marketing — target the right prospects with the right offers through the right channels. 
• Account opening — deliver a fast, frictionless, digital-first account opening experience. 
• Credit risk scoring — make informed and profitable decisions using enhanced credit risk strategies. 
• Pricing optimization — make more profitable pricing decisions on a customer-by-customer basis with powerful prescriptive analytics.  
• Collections management — collect more while striking the perfect balance between operational efficiency and customer experience. 

Build your business by identifying qualified prospects and presenting personalized offers. Rapidly onboard new customers with a seamless and secure process. 

• Acquire — identify qualified prospects who are ready to purchase. Promote personalized offers that generate a positive response.  
• Onboard — create a seamless customer buying experience with a secure environment for rapid onboarding. 
• Service — reduce risk with data-driven outreach and personalized strategies for each customer.  
• Protect — secure your bottom line by preventing fraud. Protect against identify theft and synthetic identity fraud. 
• Consult — leverage decades of analytics, credit risk, and auto finance experience. 
• Optimize — make more profitable pricing decisions on a customer-by-customer basis with powerful prescriptive analytics. 

Offer digital-first merchant onboarding and monitoring by leveraging automation and advanced analytics to facilitate efficient, risk aware growth. 

• Account opening — deliver a fast, frictionless, digital-first account opening experience. 
• AI, ML, advanced analytics — drive better decisions with specialized and powerful analytics and machine learning.
• Account Management - manage ongoing limits and hold periods using AI, ML, and advanced analytics.

FICO is the credit scoring model of choice for secondary market investors. Trusted for over 30 years, investors in asset-backed securities rely on the proven and predictive FICO® Score to manage loan portfolio risk.

The FICO Score provides secondary market investors with:

• Liquidity: Securitizing based on the most predictive scores available offers less uncertainty and more liquidity across the mortgage market.
• Consistency: Secondary market investors recognize the importance of preserving consistency with prior scoring models as new scores come to market. FICO® Score 10 T—the newest and most powerful FICO score ever--delivers a consistent odds-to-score relationship as used in prior scores.
• Stability: Performs over time and across economic cycles, providing continuity and stability for secondary market investors.
• Proven Predictability: Relied on for 97% of Asset-Backed Security Filings through 1Q 2022, according to Mercator Advisory Group Asset Backed Securitization Study, 2022.