Scoring Solutions
Leading Financial Inclusion Innovation for Over 30 Years.
Introducing a breakthrough for lenders
The first credit score from a leading credit scoring provider with Buy Now, Pay Later data, coming this fall – FICO® Score 10 BNPL and FICO® Score 10 T BNPL. Ready to learn more? Let’s be pioneers of BNPL credit scoring together!
Inclusive, Reliable and Trusted
Leveraging traditional credit and new alternative data sources, FICO enables lenders worldwide to safely expand financial inclusion.
Integrity
Trusted to provide safe and sound credit risk scoring and analytic modelsObjective
Scientific criteria for unbiased evaluation of new data sources and their predictive valueResponsible
Our data hierarchy standards maximize value, minimize costs and enable compliance
Credit Risk Scoring Solutions
Make more informed and profitable decisions
FICO credit scoring solutions provide a better understanding of credit risk in lending to consumers and businesses.The introduction of broad-based credit scores by FICO more than 30 years ago has transformed economic growth in the US and globally — making access to credit more efficient and objective while protecting the financial stability of lenders by enabling decisions that limit risk.
Financial Inclusion and Growth
The FICO® Financial Inclusion Initiative is focused on the development of new scoring products, partnerships, services, and platforms to empower lenders’ decision making and financial inclusion growth efforts around the world.
Small Business Credit Scores
FICO’s small and medium enterprise (SME) scores for both US and international markets provide lenders with new ways to safely expand small business loan portfolios and grow profits while reducing risk.
Consumer Credit Scores
FICO® Scoring solutions form the basis of sound and fair lending across the financial services landscape.
FICO® Score 10 BNPL and FICO® Score 10 T BNPL
The first credit scores from a leading credit scoring provider to integrate Buy Now, Pay Later (BNPL) data, offering a comprehensive view of credit readiness and promoting financial inclusion.
The BNPL credit scores will be offered alongside existing versions for seamless adoption, supporting responsible credit-building and adapting to evolving consumer behaviors.
Launching Fall 2025
Ready to learn more? Let’s be pioneers of BNPL credit scoring together!
Learn more
Connect with FICO for answers to all your product and solution questions. We look forward to hearing from you.