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FICO® Score Open Access for Credit and Financial Counseling

This valuable program enables eligible credit and financial counseling providers in the US to share FICO® Scores already purchased—for the purpose of providing financial counseling and/or financial educational services—with their clients without additional score or program fees from FICO.

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Why Participate?Why Share FICO® Scores?What are the eligibility requirements?What is the enrollment process?How do I get started?WebinarsMore InformationAccess the Library

Why participate in FICO® Score Open Access for Credit & Financial Counseling? 

Knowledge about FICO® Scores may support a customer’s progress and commitment to more responsible financial health management and reinforce behavior changes that last long after counseling sessions end. Additionally, making FICO® Scores available to your clients as part of the program may help with customer retention by encouraging clients to stay on top of their financial management plans. 

Why Share FICO® Scores?

FICO® Scores are the standard in consumer credit risk scoring and are used by 90% of top lenders in the United States. FICO® Scores are also used by a vast majority of smaller lenders and other organizations for their risk management decisions. So the importance of counseling clients to understand FICO® Scores is greater than ever. 

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What are the eligibility requirements?

To be eligible for this program, organizations must meet all of the following criteria: 

done
Financial Counseling or Educational Services
Provider has a primary purpose of providing financial counseling and/or financial educational services (e.g., educational programs on money management) and not credit repair
done
Agreement with Consumer Reporting Agencies
Has an active end user agreement with one of the three Consumer Reporting Agencies (Experian, Equifax, TransUnion) or reseller (Equifax or TransUnion) to purchase FICO® Scores for the purpose of financial counseling or risk management decisions
done
Non-profit Organization or a Government Agency
Provider is a 501(c)(3) non-profit organization or a government agency (or other government entity) that provides social services
done
Not a Credit Repair Organization
Provider is not considered a “credit repair organization” as defined in the Credit Repair Organizations Act (CROA)

What is the enrollment process?

Once you’ve determined your organization is eligible, enrolling in the FICO® Score Open Access for Credit & Financial Counseling program takes just three easy steps:

  1. Download the Program Sign-up Application and Requirements Questionnaire and the Program License Agreement (PLA)
  2. Complete the Questionnaire and sign the PLA
  3. Submit forms via email to OpenAccessCFC@fico.com

How do I get started?

After the PLA is countersigned by FICO, we will return it to you, along with further  instructions about the program and how to access the resources.

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Webinars

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September 17, 2025

FICO® Score Open Access for Credit & Financial Counseling Overview

This 45-minute webinar provides details about the FICO® Score Open Access for Credit and Financial Counseling program and instructions for getting started.
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October 29, 2025

Demystifying FICO® Scores for Credit & Financial Counselors

Demystifying FICO® Scores for Credit Counselors is a 60-minute webinar designed to empower credit counselors
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Where can I find more information about the program?

Program Overview Sheet

Get all the details about the program in this handout.

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Program License Agreement FAQ

Get the answers to your questions about our Program License Agreement.

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Contact Us

Contact us via email at OpenAccessCFC@fico.com

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Access the Library

Licensed members of the FICO® Score Open Access for Credit & Financial Counseling program can access the library and download resources. You'll find everything needed to launch the program, including the tool you will use to share FICO® Scores with your customers and educational material for both coaches and customers.
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