Can Alternative Data Expand Credit Access?

New FICO research shows how to score millions more creditworthy consumers

FICO Reports Image

Over 50 million US adults don't currently have FICO® Scores because of sparse or old data in their credit files, or because they lack a credit file all together. Can scoring help lenders safely and responsibly extend credit to these consumers?

New FICO research says yes—but only when bureau data is augmented by the right alternative data. This white paper presents key research findings showing how:

  • Scoring more people without more data harms consumers and creditors
  • Unscorable credit applicants are not all alike
  • Alternative data scoring releases millions stuck in a credit catch-22
  • Millions score high enough to qualify for credit, with most going on to improve their credit status
Sign Up and Download

Provide the following information to receive your free white paper.

Give us a call:   1-888-342-6336      Global Contacts

Download the white paper: "Can Alternative Data Expand Credit Access?"

About FICO
FICO (NYSE: FICO) is a leading analytics software company, helping businesses in 90+ countries make better decisions that drive higher levels of growth, profitability and customer satisfaction. The company’s groundbreaking use of Big Data and mathematical algorithms to predict consumer behavior has transformed entire industries. FICO provides analytics software and tools used across multiple industries to manage risk, fight fraud, build more profitable customer relationships, optimize operations and meet strict government regulations. Many of our products reach industry-wide adoption. These include the FICO® Score, the standard measure of consumer credit risk in the United States. FICO solutions leverage open-source standards and cloud computing to maximize flexibility, speed deployment and reduce costs. The company also helps millions of people manage their personal credit health. Learn more at