Products & Services: Credit Bureau Risk Scores (Non-U.S.)

Fair Isaac produces the world’s leading scores and models for predicting consumer behavior. Our predictive analytics turn data on individuals into precise metrics of customer potential: risk, sales potential, profitability, response, revenue, attrition, collections.

The recognized industry standard in consumer credit risk assessment

FICO® Risk Scores

FICO® risk scores rank-order consumers according to the likelihood that their credit obligations will be paid as expected. They play a pivotal role in billions of business decisions each year. With the accurate, reliable and fast credit risk assessment provided by FICO scores, credit grantors are empowered to make more profitable, automated decisions regarding prospects, applicants and customers.

FICO risk scores are widely regarded as essential building blocks for devising successful, precisely targeted marketing, origination and customer management strategies by credit grantors and telecommunications companies.

Ask for FICO risk scores by name at the following credit reporting agencies in the US, Canada and South Africa:

• BEACON® at Equifax US and Canada
• EMPIRICA® at TransUnion US and Canada, at ITC in South Africa
• Experian/Fair Isaac Risk Model at Experian

NextGen FICO® Risk Scores

NextGen FICO risk scores rank-order consumers according to their likelihood to repay a credit obligation as agreed. An alternative to the established industry-standard classic FICO risk scores, NextGen scores deliver the most accurate broad-based consumer credit risk assessment available. Credit grantors can lower bad rates between 10% and 25%, or increase approval rates up to 5% or more by using NextGen in place of classic FICO credit bureau risk scores.

Ask for Fair Isaac NextGen FICO risk scores by name:

• Pinnacle^SM score  at Equifax
• PRECISION^SM score at TransUnion
• Experian/Fair Isaac Advanced Risk Score at Experian

FICO® Industry OptionsSM Scores

Our industry-specific credit bureau risk scores, known as Industry Option scores, provide accurate forecasting of risk within specific industries: auto, bankcard, finance and installment products. They are available at Equifax, Experian and TransUnion in the US.

CallScore

CallScore rank-orders UK consumers by their likelihood to repay credit obligations as agreed. CallScore leverages CallCredit's database of UK consumer credit profiles and demographic information in combination with Fair Isaac's predictive analytic expertise to assess each consumer's relative likelihood of default.