FICO SCORES ARE USED IN OVER 90% OF U.S. LENDING DECISIONS

FICO Scores are the most widely used credit scores—according to a 2018 Mercator Advisory Group Analyst Report, FICO Scores are used in over 90% of U.S. lending decisions. Every year, lenders access billions of FICO Scores to help them understand people's credit risk and make better–informed lending decisions. FICO Scores have been an industry standard since they were first introduced over 30 years ago. By providing lenders with a proven, reliable and objective measure of credit risk, FICO Scores have made the lending process faster and fairer–helping millions of people get access to the credit they deserve.

10 Billion

FICO Scores are purchased every year

27 Million

FICO Scores are purchased every day

FICO Scores are used in over

90%

of U.S. lending decisions

FICO Scores have been an industry standard for 30 years

Hundreds of Lenders

are participating in the FICO Score Open Access program to provide FICO Scores to consumers for free.

An Industry Standard for over 30 years

Widely accepted. FICO Scores are used by 90% of top U.S. lenders, in over 90% of U.S. lending decisions. FICO Scores are also used in over 30 countries.

Predictive. FICO Scores have thrived for over 30 years because they measure credit risk with rigorous mathematical algorithms and have been validated and endorsed by lenders and regulators alike.

Fair. FICO Scores help remove bias from the lending process—creating financial opportunities that transcend social and economic lines—with a scoring algorithm that does not consider your age, education, zip code, employment history, gender, marital status, race or income.

Comprehensive. FICO Scores reliably and fairly evaluate the credit profiles of more than 190 million Americans.

190+ million
Americans

Transparent. FICO helps people understand how they can manage their scores by explaining in easy-to-understand terms how FICOScores are calculated.

Accessible. FICO makes it easy to access your own scores. You can view your FICO Scores from an authorized FICO Score Retailer or through a lender participating in FICO Score Open Access. See where you can get your FICO Scores.

1. Mercator Advisory Group, Analysis, 2018