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.1 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.
FICO® Scores are purchased every year
FICO® Scores are purchased every day
FICO® Scores are used in over
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.
Transparent. FICO helps people understand how they can manage their scores by explaining in easy-to-understand terms how FICO®Scores 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