FICO: The Independent Standard for Credit Scoring
Launched in 1989 as a universal and impartial tool for evaluating credit risk, the FICO® Score was designed to democratize credit, taking human judgment and biases out of the system across lending markets. Our independence from credit bureaus ensures accountability to fairness. Today, 90% of top US lenders trust FICO Scores to provide the standardized, reliable measure of credit risk, including America's $13 trillion mortgage market.
Fundamental Facts about FICO® Scores
FICO operates independently from credit bureaus, ensuring our loyalty remains with accuracy and fairness — not corporate interests.
FICO® Score 10T outperforms competitive scores across predictive measures. Independent research confirms our superior risk prediction.
FICO® Scores act as the common language for assessing credit risk, ensuring that lenders, investors, regulators, and consumers can operate within a consistent and transparent framework.
Weakening scoring standards harms consumers and the lending system. FICO grows credit access while upholding the highest standards in the industry.
Critical insights for industry stakeholders
Newly public GSE data confirms FICO® Score 10T outperforms VantageScore 4.0
Independent Milliman analysis of newly public Fannie Mae and Freddie Mac loan-level data confirms FICO® Score 10T outperforms VantageScore 4.0 across every measure tested — and any lender, analyst, or investor can now verify the findings directly.
GSEs release historical FICO® Score 10T loan-level data for independent evaluation
Fannie Mae and Freddie Mac have released more than a decade of loan-level performance data for FICO® Score 10T, giving lenders and investors the ability to independently evaluate the score's predictive performance.
Independent analysis of FICO Score 10T vs. VantageScore 4.0
Independent research by Milliman shows FICO® Score 10T outperforms VantageScore 4.0 on all mortgage types, including GSE and FHA loans.
Get the latest trends on consumer credit behavior
The FICO® Score Credit Insights report draws from proprietary analytics of quarterly credit data and a FICO-sponsored consumer survey to deliver a comprehensive view of U.S. consumer credit health, awareness, and behaviors – both above and below the surface.
FICO® Scores: the standard connecting the mortgage industry
FICO® Scores serve as the mortgage industry’s universal risk measure, enabling faster decisions, better pricing, and greater confidence while facilitating seamless transactions.
FICO® Mortgage Direct License Program
The first step to reduce costs for the FICO® Score in mortgage.
How FICO® Scores set the independent standard in credit score innovation
Get the Facts About Your FICO® Score
