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2 de febrero de 2015

FICO Makes Additional FICO Score Versions Available to Consumers for the First Time

2 de febrero de 2015

Americans can view all the most commonly used FICO Score versions for mortgage, auto and credit card lending

SAN JOSE, Calif. — February 2, 2015 — FICO (NYSE:FICO), the predictive analytics and decision management software company, today announced it is making additional versions of the FICO® Score available to consumers at, giving Americans an unprecedented level of information on the scores that guide 90 percent of lending decisions in the U.S.  These additional FICO Score versions will also be made available to qualified resellers and affinity clients that make FICO Score-based products available to their customers.

Anyone who buys a product with a base FICO® Score 8 from now also receives up to 10 additional FICO Score versions — five based upon Equifax data and five based upon Experian data. These include prior versions of the base FICO Score, as well as industry-specific FICO Score versions for auto and credit card lending decisions. An additional five FICO Score versions based upon TransUnion data will be available to myFICO customers in the coming weeks. 

"While FICO Score 8 is the most widely used credit score in America, the thousands of lenders using FICO Scores also can use different versions for particular credit risk decisions," said Jim Wehmann, executive vice president for Scores at FICO. "By making these scores available along with FICO Score 8, we have created the most complete consumer credit score product ever available, and set a new standard for consumer empowerment. Consumers should accept no less."

Along with the additional scores, customers receive the top factors that influence each score, and an explanation of which scores are commonly used for decisions on different types of credit products. This will help them understand how their credit profile appears to lenders evaluating them for mortgages, auto loans or credit cards.

This development supports FICO’s commitment to consumer empowerment, and complements its highly successful FICO® Score Open Access program, which makes FICO® Scores available for free to consumers.  When lenders participating in FICO Score Open Access display the FICO Score, they are required to communicate to their customers the FICO Score version, the credit bureau on which it was based and the date it was calculated.

"For many Americans, the free FICO Score and related content provided by their lender will be more than enough," said Wehmann. "But for those who want more - including monitoring and alerts, a FICO Score 8 simulator and additional versions of the FICO Score from all three bureaus in an easy-to-understand dashboard - and other qualified FICO Score resellers and affinity clients will truly be one-stop shops for understanding consumer credit profiles."

"Since introducing the groundbreaking FICO Score 25 years ago, we've continued to bring to market new and improved versions, along with FICO Score versions specifically designed to be more predictive for the auto and bankcard markets," Wehmann said. "This continuous innovation has benefited lenders and consumers alike, and improved credit access for millions of consumers. Now we are helping people see these additional FICO Score versions, and get an even better picture of their credit standing."

FICO is the leader in credit risk scoring. 90 percent of the top U.S. lenders rely on the FICO® Score for consumer credit risk analysis.

Sobre FICO
FICO (NYSE: FICO) es una empresa líder de software de analítica que ayuda a negocios de más de 90 países a tomar mejores decisiones que incrementen el crecimiento, la rentabilidad y la satisfacción del cliente. El innovador uso de Big Data y de algoritmos matemáticos por parte de la empresa para predecir el comportamiento del consumidor ha transformado sectores enteros. FICO ofrece software de analítica y herramientas que se emplean en múltiples sectores para gestionar riesgos, combatir el fraude, crear relaciones con clientes más rentables, optimizar operaciones y cumplir con estrictas regulaciones gubernamentales. Many of our products reach industry-wide adoption. These include the FICO® Score, the standard measure of consumer credit risk in the United States. Las soluciones FICO emplea estándares de código abierto y cloud computing para maximizar la flexibilidad, hacer despliegues más rápidos y reducir costes. The company also helps millions of people manage their personal credit health through FICO: Make every decision count™. Learn more at

For FICO news and media resources, visit

FICO and “Make every decision count” are trademarks or registered trademarks of Fair Isaac Corporation in the United States and in other countries.

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Darcy Sullivan
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