FICO® Score Open Access

Overview

Empower Your Customers with FICO® Scores

If your organization strives to build loyalty, trust, and growth through greater credit score transparency, FICO® Score Open Access can help you strengthen customer relationships and increase profitability. FICO Score Open Access empowers you to share FICO® Scores you already use for account risk management decisions with your customers – with no additional score fees charged by FICO. Through FICO Score Open Access, you provide your customers with their FICO Scores, empowerment tools, and credit education through multiple channels and at varying frequencies.

Capabilities

FICO solutions offer a wide range of capabilities, empowering you to make smarter, personalized decisions, streamline operations, and improve the customer experience.

Strengthen reputation and brand

Increase transparency by providing your customers with free access to the actual FICO® Scores you use to help make decisions. Strengthen customer loyalty and satisfaction by providing millions of dollars of value to your customers.

Create goodwill and customer empowerment

Provide your customers with their FICO® Scores, the two most influential score factors that impacted their score with explanations, a 12-month historical FICO® Score trend, and trusted FICO consumer credit educational content. Empower your customers to better understand their overall financial health.

Boost profits and increase share of wallet

Realize higher response rates, greater customer engagement and satisfaction, lower attrition, broader use of lower cost channels, and reduced credit losses through more responsible credit behavior.

The program aligns with our overall business philosophy of being fair and transparent. We are pleased that the preliminary data shows that cardmembers actively accessing this information are becoming better consumers of credit.

- Paul Wilmore, Barclaycard

Features

With a rich feature set of advanced tools, FICO empowers business users to make faster, smarter, customer-focused decisions.

FICO® Score Open Access

With FICO® Score Open Access, FICO extends the license on FICO® Scores you already purchase for account risk management decisions, enabling you to display those scores to your end customers.

FICO® Score Meter

Using the scores that are already resident in your customer database, you create your customer experience through your paper statements, online banking, or mobile channel. To support your channel displays, FICO provides a digital asset package for the key branding elements, including the FICO® Score logo lockup and FICO® Score Meter.

Understanding FICO® Scores

You incorporate FICO-written educational content, "Understanding FICO® Scores" and "Frequently Asked Questions about FICO Scores," into your website for customer self-service.

Better Customer Relationships

Leveraging dedicated FICO Implementation Consultants and a Planning Guide, you’ll quickly be on your way to opening the door to better customer relationships.