FICO® Score 10 based on TransUnion® Data

Powerful and trusted: FICO® Score 10 based on TransUnion® Data brings more predictive consumer credit risk management to Canadian lenders.

Gain as much as 10% predictive lift over prior FICO® Scores while maintaining the trusted blueprint and consistent customer experiences.

Make sharper decisions that balance growth with risk

Powerful predictive performance applied across mortgages, auto loans, credit cards and personal loans.

Deliver consistent customer experiences and retain continuity with time-tested standards

Score carries features from prior versions, maintains the familiar 300-900 score range and is developed and scaled on trade level performance.

Benefit from enhanced model development and score improvements

Refined segmentation, addition of a new scorecard to help optimize predictive power across segments and developed with multiple goal methodology to improve performance across lifecycle stages.

Product Capabilities

Powerful and trusted predictive performance

Gain as much as 10% predictive lift over prior FICO® Scores, with K-S performance gains across originations and account management.

Predictive power across all consumer lending

Improved predictive power applies across mortgages, auto loans, credit cards and personal loans — covering the core Canadian consumer lending portfolio.

FICO analytics combined with TransUnion® Data

Combines FICO's analytic capabilities and predictive technologies with TransUnion's rich repository of Canadian consumer credit information across ~31 million Canadians.

PROBLEMS WE SOLVE

Grow your portfolio without sacrificing risk standards or continuity.

Today's economic conditions and consumer experiences create new analytic demands. Canadian lenders and investors seeking to grow portfolios without sacrificing risk standards need more powerfully predictive analytic tools that factor in recent data and new perspectives on consumer behaviour.

Improve risk precision while preserving customer experience and continuity
Use industry-standard scoring required to grow lending portfolios, with an enhanced focus on originations
Optimize performance across lifecycle stages and industries
Modernize scoring without rebuilding existing decisioning workflows or scorecards

How it works

Powerful and trusted credit scoring

See how FICO® Score 10 delivers up to 10% predictive lift while preserving familiar scoring continuity.

Gain up to 10% predictive lift
Transition easily to latest score version
Maintain a consistent, familiar customer experience
Retain proven, time-tested minimum scoring criteria
Grow portfolios without sacrificing risk standards

Credit Solutions

Fraud Solutions