Product

FICO Risk Score

Help build greater profitability with proven predictive scoring

Product Overview

Developed by FICO using Equifax data, FICO® Risk Score delivers an enhanced consumer credit risk assessment to help improve acquisition, reduce losses and increase revenue. This broad-based risk score predicts how likely a consumer is to repay a loan and make payments when they are due. Another way to look at it, a risk score provides an indicator of the likelihood that a consumer will become more than 90 days delinquent in the next 24 months. 
Solution

Maximum Risk Insight Helps Drive Maximum Account Revenue

FICO Risk Score 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. Using FICO Risk Score insights, you can evaluate new and established credit files and easily segment accounts for more targeted risk-based pricing. The FICO Risk Score can help you identify areas of potential risk exposure and manage accounts.
 Product Sheet

FICO Risk Score Product Sheet

Grow portfolios with more accurate credit risk decisions by using the FICO Score that best captures today’s consumer credit behavior.

 FICO Risk Score is considered a consumer report

Regulated by the Fair Credit Reporting Act (FCRA) - and can be delivered in several modes to fit your processes - this product provides four reason statements & a fifth reason statement designed to support FACTA regulations. This product also considers authorized users tradeline information to support compliance with federal regulations and reduce exposure to authorized user abuses.

Related Products

Consumer Credit File
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Equifax Risk Score
Speed credit decisions with a risk model that predicts the likelihood of a consumer becoming 90+ days delinquent
FICO® Score XD
FICO® Score XD is a credit risk score for "unscoreables."
FICO Resilience Index
A new analytic tool to help capture consumer credit risk linked to unexpected economic stress

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Other Credit Risk Products

Talk to sales about the risk assessment power of FICO Risk Score.