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Fico® Score 10 Suite

With Fico® Score 10 and Fico® Score 10T, lenders gain flexible, regulator-trusted tools to reduce losses, expand credit, and tailor offerings with greater precision.
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The Most Predictive FICO Scores Ever—Powered by Equifax

The FICO Score 10 Suite, built on Equifax credit data, outperforms all prior versions in predicting repayment behavior . It includes FICO Score 10, FICO Score 10 T (with trended data), and industry-specific scores for auto and bankcard lending. This suite offers lenders flexibility: backward compatibility with prior versions plus enhanced predictive power from trended data. The result is a sharper view of consumer credit risk, helping institutions lower delinquency rates, approve more qualified customers, and deliver consistent experiences.
Reduce Delinquencies
Up to 17% reduction in mortgage delinquencies vs FICO Score 5 .
Stronger Predictive Power
FICO Score 10 T captures 2.4% more future delinquencies than FICO Score 9 .
Expand Safe Approvals
Deliver lift for thin-file and new-to-credit segments with trended data .
Faster Credit Decisions
Automate approvals with regulator-recognized, FCRA-compliant scoring.
Flexible Adoption
Choose FICO Score 10 for backward compatibility or FICO Score 10 T for advanced trended insights.
Proven Through Cycles
Validated against severe recession data, ensuring resilience across economic shifts .
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Bankcard: 13% delinquency reduction vs FICO Score 8.

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Auto lending: 2.5 KS point gain vs FICO Score 8.

Proven Applications Across Industries

FICO 10 combines proven Equifax consumer credit data with advanced searching and matching logic to give you an expanded view of current consumer credit risk, including bankruptcies, charge-offs, repossessions, loan defaults and delinquencies. 

Credit Card Issuers

Optimize line assignments and account management with 2.1 KS gain over FICO Score 8.

How FICO® Scores Rank Credit Risk

FICO Scores range from 300–850 in the U.S. and 300–900 in Canada. Based on credit file data, they rank consumers by likelihood of repaying obligations—the higher the score, the lower the risk.

How the FICO Score 10 Suite Delivers

FICO Score 10 and 10 T use recent Equifax bureau data to rank-order repayment risk. FICO Score 10 T integrates 24 months of trended data, analyzing balance and payment trajectories for deeper consumer insights . Both models generate reason codes and integrate seamlessly into decision platforms, enabling fast, precise credit strategies.
Gather recent credit data
Cleansed to reflect current CRA practices.
Apply Advanced Scoring Models
Backward compatibility or trended data.
Deliver Predictive Insights
Rank-order risk, generate reason codes, and support compliance.

Why Choose FICO Risk Score from Equifax

Equifax and FICO combine unmatched credit data with the most powerful scoring models available. With proven delinquency reductions, stronger predictive lift, and seamless regulatory compliance, the FICO Score 10 Suite empowers lenders to grow responsibly and profitably—no matter the market cycle.

Predictive Credit Scoring for Risk

With the FICO Score 10 Suite, lenders cut losses, expand credit, and optimize portfolios. Trended data provides deeper consumer insights, while backward compatibility ensures ease of adoption. This makes FICO Risk Score the most flexible, predictive, and trusted tool for modern credit risk management.

Frequently Asked Questions

Frequently Asked Questions

It improves predictive power while keeping the 300–850 range and backward compatibility.

24 months of payment and balance history, offering dynamic consumer insights vs. static snapshots.

Auto finance companies, bankcard issuers, and fintechs.

Yes. FICO Scores exclude age, income, gender, and other non-permissible factors.

Related Resources

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Improve Profitability with Confidence

Learn how to assess risk and improve profitability with the industry-standard credit score. We help you evaluate new and established credit files, and make more accurate credit risk decisions.

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Product Sheet
FICO Risk Score
Product Sheet

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