FICO Resilience Index

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, 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). FICO Resilience Index is designed for use in conjunction with FICO Scores 5, 8, and 9. Furthermore, it’s delivered with up to five reason codes that help lenders better understand the output.