FICO Resilience Index

Build more resilient loan portfolios

When paired with the FICO^® Score, the FICO^® Resilience Index provides an additional way to evaluate the performance of portfolios at any point in the credit lifecycle, including periods of economic uncertainty.* This allows you to manage potential latent risk within groups of consumers bearing similar FICO^® Scores, without cutting off access to credit for more resilient consumers.

*FICO is a registered trademark of Fair Isaac Corporation.

To address the challenges brought on by the pandemic, Experian® is offering the FICO® Resilience Index 2, the next generation of the FICO® Resilience Index. This new model was designed to predict a consumer’s underlying credit risk associated with a severe economic downturn and offers greater predictive power over its predecessor. This solution enables more intelligent credit decisions, account management and portfolio review processes that minimize risk and accelerate growth.

By incorporating the FICO® Resilience Index into your lending processes, you can gain deeper insight into consumer sensitivities for more precise credit decisioning.

Make more confident lending decisions with FICO® Resilience Index 2

Better predictive power

Significant increase in resilience predictive power compared to the original version and can predict the likelihood of consumer payment accommodations, an indicator of financial stress.

Expanded use cases

Includes bankcard account origination, existing account origination and account management use cases across other lending industries, including mortgage, auto and personal loans.

Applicable across economic cycles

Can be used during recovery and growth phases of the economy as well as early-stage collections and more.

Proactively manage potential latent risk for groups of consumers within the same range of FICO^® Scores

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Gain deeper insights into consumer financial resiliency