FICO Resilience Index 2

When facing severe financial stress, lenders often execute tactics at the portfolio level to reduce their credit risk exposure. But, what if lenders were able to factor consumer-level risk adjustments into such decisions rather than using coarser levers?

Meet FICO® Resilience Index 2, a new analytic tool to help capture consumer credit risk linked to unexpected economic stress. It is a 2-digit score ranging from 1 to 99 (with higher values representing higher sensitivity to financial stress). Furthermore, it’s delivered with up to five reason codes that help lenders better understand the output.