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FICO® Resilience Index Cloud Solution

This powerful score ranks consumers from 1 to 99 based on their sensitivity to economic stress. It helps lenders reduce losses, expand approvals responsibly, and strengthen portfolio resilience across lending industries.
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Predict Borrower Resilience with Greater Precision

FICO® Resilience Index 2, powered by Equifax credit data, provides a sharper view of how consumers may respond to financial stress. With up to 100% more predictive power than the previous version, it helps lenders distinguish resilient from vulnerable borrowers—without broadly raising score cutoffs. Delivered alongside the FICO® Score, this resilience indicator strengthens risk management, portfolio monitoring, and compliance strategies across the consumer credit lifecycle.

More Predictive Power
Up to 100% more accurate in identifying consumer resilience.
Expanded Use Cases
Effective across mortgage, auto, personal loans, and bankcards.
Broader Score Range
Covers 580–850, improving insight into near-prime and super-prime.
Refined Decisions
Avoid blanket measures that penalize resilient consumers unnecessarily.
Stress-Test Ready
Strengthen CCAR, DFAST, and loan loss estimations.
Easy Integration
Delivered with FICO Score and credit file, including reason codes.

Build Resilience into Every Stage of Lending

From originations to stress testing, FICO® Resilience Index 2 helps you grow portfolios, reduce losses, and prepare for downturns—without restricting resilient borrowers.

Lending & Originations

Expand approvals responsibly by distinguishing resilience levels within the same FICO® Score range.

Portfolio Management

Proactively adjust credit lines, marketing strategies, and account servicing to protect profitability.

Stress Testing & Compliance

Enhance CCAR/DFAST outcomes, refine capital planning, and simulate losses with greater accuracy.

How It Works

FICO Resilience Index 2 uses traditional credit data to rank consumers’ sensitivity to downturns. By analyzing payment behaviors across economic cycles, it generates a score from 1–99 (lower = more resilient). Delivered with FICO Score, it integrates easily into existing decision flows.
Dual Score Matrix
Use with FICO Score as a second decision factor.
Stress-Adjusted Score
Apply as an adjustment to refine FICO Scores under stress scenarios.
Portfolio Monitoring
Track borrower resilience over time to inform retention and assistance strategies.

Turn Uncertainty into Resilience

FICO Resilience Index 2 equips you with sharper insight into borrower performance under stress. Reduce losses, prepare for downturns, and refine strategies—while helping identify more resilient consumers.

Strengthen Credit Risk Strategies

Economic cycles are inevitable. With FICO Resilience Index 2, you can anticipate borrower performance under stress, refine originations, improve stress testing, and safeguard portfolios—while continuing to grow responsibly.

Frequently Asked Questions

It is a consumer resilience score that measures how borrowers may respond to economic downturns.

FICO® Scores predict credit risk in general. The FICO® Resilience Index predicts risk under economic stress.

Yes. A score of 44 or lower is considered “Resilient.”

It uses only credit report data—such as balances, new credit, and payment history—not income or assets.

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Product Sheet
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Product Sheet
FICO Resilience Index 2
Product Sheet

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