FICO® Score XD


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Generate a FICO Score For Unscorable Credit Applicants 

More than 50 million U.S. consumers either have no credit file on record, or lack enough of a credit history to generate a FICO score. 

FICO® Score XD — developed by LexisNexis in partnership with FICO and Equifax and based on Equifax, LexisNexis, and NCTUE data — leverages alternative data sources to assess credit worthiness among traditionally unscorable populations. Capture a huge segment of previously ignored consumers. Grow revenue without added risk.


With FICO® Score XD, over 25% of this underserved population can now be scored for accurate risk assessment and expanded outreach. Research shows that when applying alternative data components to the credit analysis, more than one-third of individuals will score 620 or higher.

FICO® Score XD is designed with precision and compliance in mind:

  • Streamline scoring processes and get a more nuanced view of risk
  • Identify low- and high-risk life events that reveal the best candidates for “invitation to apply” or existing accounts that need adjusted terms
  • Segment consumers that have similar profiles for more effective product differentiation and offers
  • Build long-term loyalty among customers entering mainstream credit

Get it now: For more information about FICO Score XD, call 1-800-953-2877.


  • Analyzes positive and negative data from The National Consumer Telecom and Utilities Exchange, Inc. (utilities, landline, mobile and cable payments) and LexisNexis® Risk Solutions (public records, property data and available credit bureau data)
  • Data is rigorously tested to ensure: regulatory compliance; depth & breadth of information; scope & consistency of coverage; accuracy; predictability; and additive value
  • FCRA-compliant processes and infrastructure, with up to 5 reason codes provided
  • Use like any other FICO score (300 – 850 range; odds-to-score relationship aligned with other FICO® Score models)
  • Pull score online or via existing batch/prescreening processes

Get it now: For more information about FICO Score XD, call 1-800-953-2877.

More Information

FICO Score XD: Combines alternative data, telco data and traditional credit bureau data in a one-stop solution for auto lenders

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FICO Score XD is a consumer reporting agency product provided by LexisNexis Risk Solutions Bureau LLC and may only be accessed in compliance with the Fair Credit Reporting Act, 15 U.S.C. § 1681, et seq. 

Due to the nature of the origin of public record information, the public records and commercially available data sources used in reports may contain errors. Source data is sometimes reported or entered inaccurately, processed poorly or incorrectly, and is generally not free from defect. This product or service aggregates and reports data, as provided by the public records and commercially available data sources, and is not the source of the data, nor is it a comprehensive compilation of the data. Before relying on any data, it should be independently verified.