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FICO® Resilience Index

Understanding consumer sensitivity to economic stress

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

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

Lenders can leverage the FICO® Resilience Index to:

Rank-order consumers by sensitivity to economic stress

More accurately assess loan portfolio vulnerability

Refine acquisition strategies to reduce credit risk

Enhance account management decisioning

Estimate loss allowances under stressed economic scenarios

Improve regulatory stress testing assessments

Manage potential latent risk within groups of consumers bearing similar FICO® Scores

Resources

Blog article: how to effectively score credit risk

Blog article

Learn how to effectively score credit risk in today’s economic environment.

FICO Resilience Index product sheet banner

Product sheet

Gain more insight on how you can better manage and protect your portfolio.

Build resilience today for tomorrow’s economic uncertainty

Call or fill out the form below to speak with an Experian representative.

(855) 339-3990

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