The FICO Score is celebrating 30 years of empowering lenders, consumers, and economies around the world. Today we also celebrate the milestone of having FICO Scores in over 30 countries and are excited about our industry leading innovations offering a path to credit access for over 1 billion underserved consumers globally.
Read Less
Read Less
Are FICO Scores Artificially Inflated?
®
By creating a standardized tool for fair lending processes, FICO has helped lenders around the world offer millions of people access to the credit they deserve.
Empowering Economies
LIFECARD is the first lender in Japan to adopt the FICO Score to enhance its credit assessment for existing customers. The FICO Score for Japan uses...
®
Continue Reading
You can see your FICO® Score whenever you want to see it. Millions of Discover Card, Barclaycard, and First Bankcard customers see their FICO® Scores for free on their monthly statements or online. These are the exact same FICO® Scores those lenders are using to manage their customers.
Japan’s LIFECARD Introduces FICO Score to Grant More Credit.
In the days before credit scoring, people were often denied credit because there was no impartial structure for evaluating them objectively. The system was not inclusive, fair, fact-based or consistent. Scoring replaced hunches with calculations, taking partiality out of the equation, literally.
Experian , FICO and Finicity announced a new credit score today during the Money 20/20 USA conference. The new score, called UltraFICO™ Score, leverages...
Learn More
®
Today the FICO Score Open Access program provides free access to FICO Scores and educational content to over 300 million consumer accounts through more than 200 participating financial service providers in the US.
In the days before credit scoring, people were often denied credit because there was no impartial structure for evaluating them objectively. The system was not inclusive, fair, fact-based or consistent. Scoring replaced...
®
®
Empowering Lenders
FICO Score Achievers 5 Secrets
Enter the FICO Score. It cut the wait time for credit from days to minutes – even seconds.
Analytic Innovations Using Consumer Permissioned Data
Continue Reading
®
FICO and Círculo de Crédito Bring World’s Leading Credit Score to Peru
This democratization of credit access was a vital catalyst to an unprecedented period of growth in the U.S. economy.
5 Secrets to High Credit Scores
®
Japan’s LIFECARD Introduces FICO Score to Grant More Credit.
Read Less
®
®
Continue Reading
5 Secrets to High Credit Scores
There is one great way to maximize your FICO® Score – manage your credit wisely. Each version of the FICO® Score is based on the same basic formula. They each just have a few tweaks. If you pay all your bills on time every time, keep revolving balances low, and only open new credit when necessary, you will have a good FICO® Score. It really is that simple.
®
Empowering Lenders
Learn More
Continue Reading
®
May 22, 2018
Educational Events
Educational Materials & Calculators
®
Empowering Consumers
®
It’s preventing me from getting a mortgage.
Learn more in the FICO Newsroom
FICO Scores at Círculo de Crédito Have Helped Millions.
Learn More
New FICO and Equifax RegTech Solution Can Help Lenders...
®
Read Less
5 Things FICO is doing to Help Lenders & Help Consumers
Learn More
Analytic Innovations Using Consumer Permissioned Data
Learn More
®
Learn More
This data is pulled from your credit report and plugged into the FICO® Score formula. Your FICO® Score moves up and down as this data changes. Your precise FICO® Score at any given moment is a snapshot in time because new data is constantly added to your credit report. You alone have the power to improve your score by consistently paying all your bills on time and managing your credit.
Learn More
Learn More
What Does A High Credit Scorer Look Like?
Learn More
Educational Materials & Calculators
Test your FICO Score knowledge. Play the game!
Analytic Innovations Using Consumer Permissioned Data
FICO Score Achievers 5 Secrets
Educational Events
Test your FICO Score knowledge. Play the game!
Continue Reading
Read Less
Continue Reading
Empowering Economies
Explore Map
®
®
®
If you never use credit cards or borrow money, FICO® Scores may not be important to you. FICO® Scores only matter to people who want to borrow money. FICO’s scientific research has found that a person’s past credit history is highly predictive of their future creditworthiness. As people build up a long, positive credit history, their FICO® Scores go up. If you decide you want to build a credit history at some point in the future, you will need to begin applying for and using credit.
Experian, FICO and Finicity Launch New UltraFICO™ Credit Score
Read Less
Learn more in the FICO Newsroom
FICO has launched FICO® Score XD which applies alternative data, including pay TV, mobile, landline phone, and utilities. The FICO® Score XD offers lenders the opportunity to extend credit to millions of U.S. consumers who otherwise cannot be scored, either due to insufficient or stale data in traditional credit bureau files.
®
This democratization of credit access was a vital catalyst to an unprecedented period of growth in the U.S. economy.
Continue Reading
The FICO® Score is actually the best tool available to lenders for ensuring that all people are evaluated objectively, fairly and equally when they apply for credit. The FICO® Score doesn’t know your age, ethnicity, gender, name, race, religion or ZIP code. In fact, the FICO® Score doesn’t even know if you have a job or own a house. The FICO® Score is based solely on factors that have been scientifically proven to predict your creditworthiness.
Experian, FICO and Finicity Launch New UltraFICO™ Credit Score
The FICO® Score caused the ‘Great Recession’ in 2008.
Extensive research found the FICO® Score to be highly predictive of consumer credit risk before, during and after the financial crisis. That is why the FICO® Score is used to help make 90 percent of all consumer lending decisions.
In the days before credit scoring, people were often denied credit because there was no impartial structure for evaluating them objectively. The system was not inclusive, fair, fact-based or consistent. Scoring replaced...
FICO Scores
I don’t use credit cards, I use cash. So why am I being punished for that?
Today with innovative new analytic scoring solutions we are helping lenders offer broader access to credit and tools and education to empower the next generation of consumers -- fueling economic growth.
Introduced in 1989, the first broad-based consumer credit score, the FICO
Score changed the lending landscape for good. Previously, there was no standard system based on credit bureau data, hence there was a lot of paperwork to get a credit card or a loan. It took time to fill it out, and it took loan officers time to review it.
®
December 10, 2018
What Does A High Credit Scorer Look Like?
FICO Scores +
Alternative Data FICO Scores in Development
Perhaps the greatest thing about your FICO® Score is that you can change it — in fact, only you can change it. Each person is solely and completely responsible for his or her FICO® Score. Consumers who manage their credit wisely can have nearly perfect FICO® Scores regardless of where they came from, who they know, what they do for a living, or where they live. Smart consumers manage their credit wisely and utilize the FICO® Score.
Test your FICO Score knowledge. Play the game!
New FICO Study and Infographic Highlights How Student Loan...
New FICO Study and Infographic Highlights How Student Loan...
®
Test your FICO Score knowledge. Play the game!
An innovative credit risk score from FICO and Círculo de Crédito has been used by lenders to help millions more people get credit in Mexico...
Empowering Lenders
Myth Versus Reality
There are too many versions of the FICO® Score. I can’t track all of them.
March 25, 2019
For Consumers in the U.S.
5 Things FICO is doing to Help Lenders & Help Consumers
Resources
FICO Score Open Access Program Hits Milestone.
®
December 17, 2018
Continue Reading
Learn More
Learn More
Continue Reading
The FICO Score Open Access program now reaches more than 300 million consumer accounts, providing free access to the FICO Score used by lenders...
®
Continue Reading
®
Educational Materials & Calculators
Educational Events
As the UK’s Financial Conduct Authority pursues measures to stop consumers becoming trapped by persistent debt, two industry leaders in credit risk...
Read Less
February 9, 2017
Are FICO Scores Artificially Inflated?
®
Why can’t I see my FICO® Score? What’s the big secret?
By creating a standardized tool for fair lending processes, FICO has helped lenders around the world offer millions of people access...
®
®
FICO Score in The News
Introduced in 1989, the first broad-based consumer credit score, the FICO Score changed the lending landscape for good. Previously, there was no standard system based on credit bureau data, hence there was a lot of paperwork to...
Introduced in 1989, the first broad-based consumer credit score, the FICO Score changed the lending landscape for good. Previously, there was no standard system based on credit bureau data, hence there was a lot of paperwork to...
This democratization of credit access was a vital catalyst to an unprecedented period of growth in the U.S. economy.
®
Read Less
®
Enter the FICO Score. It cut the wait time for credit from days to minutes – even seconds.
®
New FICO and Equifax RegTech Solution Can Help Lenders...
Today the FICO Score Open Access program provides free access to FICO Scores and educational content to over 300 million consumer accounts through more than 200 participating financial service providers in the US.
5 Things FICO is doing to Help Lenders & Help Consumers
Introduced in 1989, the first broad-based consumer credit score, the FICO
Score changed the lending landscape for good. Previously, there was no standard system based on credit bureau data, hence there was a lot of paperwork to get a credit card or a loan. It took time to fill it out, and it took loan officers time to review it.
FICO Scores at Círculo de Crédito Have Helped Millions.
Empowering Consumers
Empowering Consumers
In the days before credit scoring, people were often denied credit because there was no impartial structure for evaluating them objectively. The system was not inclusive, fair, fact-based or consistent. Scoring replaced hunches with calculations, taking partiality out of the equation, literally.
Learn More
®
June 5, 2018
Empowering Economies
By creating a standardized tool for fair lending processes, FICO has helped lenders around the world offer millions of people access to the credit they deserve.
Empowering Economies
Today, analytics software firm FICO (NYSE:FICO) announced new study findings and an infographic on the credit behavior of young adults with student loans...
There is more to life than my credit history. Why isn’t that taken into consideration?
Millions of Peruvians will find new credit opportunities thanks to the introduction of the FICO Score in Peru. Círculo de Crédito, the fastest-growing credit bureau in Mexico...
Continue Reading
®
®
Read Less
FICO Score Open Access Program Hits Milestone.
FICO and Círculo de Crédito Bring World’s Leading Credit Score to Peru
Today with innovative new analytic scoring solutions we are helping lenders offer broader access to credit and tools and education to empower the next generation of consumers -- fueling economic growth.
Read Less
®
Empowering Lenders
FICO Scores
Global Coverage
®
What Does A High Credit Scorer Look Like?
®
This democratization of credit access was a vital catalyst to an unprecedented period of growth in the U.S. economy.
October 22, 2018
FICO Scores +
Alternative Data FICO Scores
Empowering Consumers
The score is unfair and biased against people like me.
By creating a standardized tool for fair lending processes, FICO has helped lenders around the world offer millions of people access...
FICO Score
Celebrating 30 Years
of Financial Inclusion Innovation
Learn More
Learn More
Read Less
Learn More
It’s a black box. I can’t influence it because I don’t know how it is calculated.
Learn More
®
Learn More
Click legend
We are honored to be part of leading financial inclusion innovations then and now – take a walk with us through time and see what’s on the horizon next!
5 Things FICO is doing to Help Lenders & Help Consumers
Read Less
Learn More
For Lenders in the U.S.
What Does A High Credit Scorer Look Like?
Continue Reading
Educational Events
Educational Materials & Calculators
Learn more in the FICO Newsroom
®
Analytic Innovations Using Consumer Permissioned Data
®
For Consumers in the U.S.