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FICO® Score 6

Gain deeper, more holistic insights into credit payment behaviours across acquisition, account management and collections

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Gain increased predictive power

The extended Expansion Risk Indicator (ERI) now provides up to eight index values for more robust evaluations — especially regarding the financially excluded.

Leverage up-to-date data

The new score was developed using data that reflects South Africa’s current lending environment, credit behaviours, reporting practices and regulatory requirements.

Deepen behavioural insights

Additional Reason Codes outline positive consumer credit obligation behaviour for more actionable lending decisioning.

Transition with ease

Inbuilt backward compatibility with Empirica 4 and 5 enables upgrade continuity, and helps ensure ease of use and score stability.

Increased transparency, broader insights and more predictive credit risk management power.

In an uncertain, volatile economy, lenders need insights that better represent the current lending environment, provide a well-rounded understanding of a customer’s credit behaviour, and are aligned to existing industry regulatory requirements.

FICO^® Score 6 was developed using data between Dec. 2018 and Sept. 2020 (validated via samples in 2021–2022) to ensure reliable performance in normal and exceptional economic circumstances.

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Globally trusted

FICO Scores are used in over 30 countries, and FICO has partnered with TransUnion in developing Empirica scores in South Africa for over 25 years.

Timely improvements

With the inclusion of upgraded ERI index values of 1 through 8, and four new positive reason codes, FICO^® Score 6 outperforms Empirica 4 and 5 across all industries.

More inclusive

Fully redeveloped account origination models, updated account management models and new features provide valuable insights to help broaden financial inclusion.

More positive perspectives

The option to add four Reason Codes on positive aspects of a consumer’s credit obligation behaviour can impact their risk scores and enhance decisioning, as well as inform more personalised engagements, communications, sales and credit education.

Rehabilitation power

The score is designed to reveal recent and ongoing rehabilitated behaviours of previously delinquent consumers to help reopen dormant credit opportunities.

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FICO 6 Score^®

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