FICO® Score 10 based on TransUnion Data Powerful and Trusted

Product Overview

FICO® Score 10 based on TransUnion Data captures recent trends in consumer behavior to offer credit grantors improved risk assessment across the credit lifecycle and all credit products compared with prior FICO score versions at TransUnion. FICO® Score 10 leverages FICO’s state-of-the-art analytic capabilities and predictive technologies and TransUnion’s rich repository of consumer credit information.

Features of FICO® Score 10 based on TransUnion data include: 

• Improved predictive power on all consumer lending products – including mortgages, auto loans, credit cards, and personal loans. 
• Refined segmentation for enhanced score dynamics and stability, including the addition of a new scorecard to optimize predictive power across segments. 
• 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, which allows for performance optimization across lifecycle stages with enhanced focus on originations.