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FICO® Score 10 based on Equifax Data

The most powerful FICO Score ever.
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Why Choose FICO® Score 10 Based on Equifax Data?

It offers the precision you need — built on a proven scoring blueprint — for an even higher level of consumer credit risk prediction.

Improved Predictive Power
Improved predictive power on all consumer lending products including mortgages, auto loans, credit cards, and personal loans.
Refined Segmentation
Refined segmentation for enhanced score dynamics and stability, including the addition of a new scorecard to optimize predictive power across segments.
Enhanced Collections Treatment
An enhanced collections treatment that excludes paid collections debt entirely. FICO research shows that risk prediction is improved by disregarding all paid third-party collections debt, regardless of the amount.
Multiple Goal Methodology
Multiple goal methodology, which allows for performance optimization across lifecycle stages with enhanced focus on originations.

 Improve Risk Management Decisions Across the Credit Lifecycle

FICO® Score 10 based on Equifax data supports more predictive consumer credit risk management for lenders while supporting a consistent customer experience.

Related Resources

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FICO® Score 8
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