FICO® Score XD
Giving lenders the ability to identify credit ready, previously, unscorable borrowers.
Overview
Start Extending Your Scorable Universe by Millions of Consumers
Lenders have the opportunity to extend credit to millions of U.S. consumers who otherwise cannot be scored appropriately, either due to insufficient or stale data in traditional credit bureau files. FICO® Score XD — developed in partnership with LexisNexis® Risk Solutions and Equifax® — is a score that leverages alternative data sources to give lenders a second opportunity to assess otherwise unscorable consumers. FICO Score XD is designed with precision and compliance in mind to enable lenders to safely extend credit to a largely unserved market using an accessible and familiar FICO® Score.
FICO® Score XD - How it works
Giving lenders the ability to identify credit ready, previously unscorable borrowers.
About FICO® Score XD
FICO is a long time analytic leader in incorporating alternative data in credit scoring models to help expand credit access for consumers that don’t receive a FICO Score using traditional credit bureau data alone. As part of our Financial Inclusion Initiative, FICO developed FICO®Score XD using alternative data - data that resides outside of traditional credit files - to address the 25M credit invisible consumers.
To learn more about FICO® Score XD please download FICO’s white paper:
Capabilities
Realize rapid portfolio growth
Streamline score integration
Help consumers
How it works
Start extending your scorable universe by millions of consumers.
Statistics, Numbers & Data
See how FICO helps deliver real business results and better customer experiences for leading organizations across industries and around the world.
FICO® Score XD generates a score on more than 70% of previously unscorable credit applicants, many of whom may have been denied due to lack of prior credit history.
News
Learn what’s happening in the world of advanced analytics and data-driven decision management with the latest news, updates, and ideas from the FICO Newsroom.
FICO, LexisNexis® Risk Solutions and Equifax® Partner to Expand Access to Credit with Debut of FICO® Score XD
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FICO and Círculo de Crédito Bring World’s Leading Credit Score to Peru
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Related resources
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Solution Sheet
FICO® Score XD
Infographic
FICO Score XD Study | Credit Invisables Case Study
Fact Sheet
FICO Financial Inclusion Initiative
White Paper
Expanding Credit Access with Alternative Data
From the FICO blog
FICO Continues Commitment to Alternative Data to Responsibly Increase Credit Access
Expanding Access to Credit Through Alternative Data
FICO Receives Analytics 50 Award for FICO Score XD
Get in touch
Connect with FICO for answers to all your product and solution questions. We look forward to hearing from you.