Inclusive, Reliable and Trusted. The score lenders use®.
Lenders know FICO® Scores as the credit scoring industry standard. Leveraging traditional credit and new alternative data sources, FICO enables lenders worldwide to safely expand access to credit and broaden financial inclusion. We are hyper focused on providing credit scores, tools, programs and resources to help the credit ecosystem thrive.
FICO has been trusted to provide safe and sound credit risk scoring and analytic models for over 30 years because of our objective approach using scientific criteria for unbiased evaluation of new data sources and their predictive value. Our data hierarchy standards help lenders responsibly maximize value, minimize costs and enable compliance.
Since 2015, over 50% of FICO’s R&D investment in its Scores segment has focused on broadening financial inclusion globally. FICO® Scores using alternative data sources can enable credit access for an estimated 1.3 billion consumers worldwide. For over 30 years we have been dedicated to empowering an inclusive lending ecosystem.
Financial institutions and credit risk managers can now explore FICO® Score portfolio benchmarking tools, financial inclusion opportunity modeling, and more to quickly learn about our latest score offerings. Take advantage of our interactive resources and accelerate your team’s credit risk strategy innovations to support your business objectives – check out “FICO® Score Credit Insights Lab
We believe the path to empowering people and economies is through a focus on financial literacy and investment in innovation that responsibly broadens access to credit. As part of our core principles, we stand for fairness, inclusivity, responsibleness, and objectively providing people an opportunity to pursue financial education and prosperity.
FICO® Score 10T
The mortgage industry is rapidly embracing FICO® Score 10T for their non-GSE mortgage lending. Learn why lenders and investors are making the move now and get all the information to jumpstart your planning from our migration resource center.
Newly public GSE data confirms FICO® Score 10T outperforms VantageScore 4.0 for mortgage
On July 1, 2026, Fannie Mae and Freddie Mac released expanded historical loan-level datasets that, for the first time, include FICO® Score 10T data. Independent analysis by Milliman confirms FICO® Score 10T outperformed VantageScore 4.0 across every measure tested, across every vintage, and across different borrower profiles. Any lender, analyst, or investor can download the same data and verify FICO® Score 10T outperformance for themselves.
Learn more about FICO
FICO (NYSE: FICO) is a leading analytics software company, helping businesses in 90+ countries make better decisions that drive higher levels of growth, profitability and customer satisfaction.