Scoring: Why choose Fair Isaac?
Credit grantors and other businesses recognize Fair Isaac as the leading developer of scores that predict customer behavior. Our scores guide billions of decisions each year, and our FICO® score is the world's most widely used credit bureau risk score.
Our scores deliver proven predictive performance
First and foremost, our scores are an extremely predictive solution that has helped thousands of lenders manage risk exposure and marketing. Behind our scores' predictive power are 20+ years of experience analyzing credit bureau data and a wide range of diverse data from other sources. We also use sophisticated, multiple-model scoring systems to produce an extremely accurate score for each consumer. And we regularly update our scoring models to reflect changes in consumer behavior and to ensure compliance with government regulations.
Our consistent scaling makes your job easier
We calibrate our scoring models across data sources so that a 680 from one source indicates the same level of risk as a 680 from another source. This makes it easier for you to control your risk exposure, set consistent score cutoffs and analyze results by score range.
You can rely on an industry standard
More businesses, rating agencies and other parties use our scores than any other. No scores have undergone more rigorous and frequent testing by third parties to make sure they are accurate, consistent and fair. When and if the regulators come to call, you can be confident when using Fair Isaac scores.
We help you get more from your scores
With more than 20 years delivering scores, and 50 years building predictive models for businesses around the world, we have the expertise to help you use scoring better. Our scoring experts can help you use scores in your strategies, monitor results, understand score performance and explain your use of scores to your customers. We also support all our scoring clients through our work with regulators and legislators - in financial services and insurance - on the use of scoring and access to data.
Fair Isaac has been a scoring innovator for 50 years
We pioneered the first commercially available scoring systems in the US and Europe. We continue to bring new innovations that make scores more powerful, and introduce new scores that help you automate and improve more customer decisions. Among our scoring milestones are the:
- World's most widely used credit bureau risk score-the FICO® score
- First insurance scores
- First commercial small business scoring systems
- First multi-country credit bureau score
What the experts say
- The FICO score, invented in 1988, has in a very short time become the single most important indicator used by lenders to predict whether you will repay your debt."
- New York Times
- The FICO score is the standard calculation used by mortgage lenders."
- Wall Street Journal
Learn more:
How scoring can benefit your business
Scoring products and services
Looking for more information on solutions for Decision Management?
Visit the Resource Center to access all white papers, customer successes, and all other web-based resources related to this and many other topics.
Ready to put Fair Isaac to work for you?
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Engage with a Fair Isaac specialist by calling 1.888.FICO.EDM (US / Canada). International: From overseas, please call 1.408.535.1500 or contact your
local Fair Isaac office
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