FIRST TIME HERE? PLEASE READ IMPORTANT INFORMATION BELOW.
Before you can Sign Up or Log In, please read the eligibility and sign-up steps below to guide you.
FICO® Score Open Access for Credit and Financial Counseling is a valuable program that enables credit and financial counseling providers in the US to share FICO® Scores already purchased — for example, for initial customer contact or for financial management plan review — with their customers with no additional score fees or program fees. The sharing of FICO® Scores with counseling customers is otherwise not permitted by the credit bureaus or by FICO and this program was created in response to requests by counseling organizations to provide a means through which they can share FICO® Scores and related credit score education. Fast and easy to use, the program was designed specifically for credit and financial counselors to increase consumer understanding of FICO® Scores and their importance in everyday financial decisions.
Knowledge about FICO® Scores may support a customers’ progress and commitment to more responsible financial health management, and reinforce behavior changes that last long after counseling sessions end. Additionally, making FICO® Scores available to your customers as part of the program may help with customer retention by encouraging customers to stay on their financial management plans.
Created in 1981 by the Fair Isaac Corporation (FICO), the FICO® Score has become a standard in consumer credit risk scoring and is used by 90% of top lenders in the United States to manage their customer credit portfolios. It is also used by a vast majority of smaller lenders and other organizations for their risk management decisions. So the importance of counseling customers understanding FICO® Scores and how it affects their lives is greater than ever.
How does this Community site work? The activities on this page are only to determine if an organization is eligible to participate in the program by following the steps below. Once found eligible and invited to join, that organization and its counselors or coaches will be provided access to the member's site using one of the access buttons below.
Participation in the program requires that participating entities meet certain eligibility requirements, determined below. Individual counselors employed by these organizations will received login instructions directly from their organizations once their organization is determined to be eligible.
To be eligible for this program, organizations must meet all of the following criteria:
If you don't currently have a relationship with one of the three Consumer Reporting Agencies to purchase credit reports or FICO® Scores, this document provides contact informaton:
Download the following documents. Follow guidance in the Program Sign-up Application and Requirements Questionnaire to participate:
1. Submit required documents per sign-up application and requirements questionnaire
2. FICO will verify your eligibility and send login instructions via email to you
3. After you login to the member Community, review the materials to become familiar with the resources and determine counseling training and rollout plans.
4. When ready, communicate participation in the program to your counselors and coaches and then invite them to join the member community using the email invitation and instructions provided by FICO
5. Your counselors will login to access all materials, including required training documents and FICO® Score Summary Report Generator used to display genuine FICO® Scores and education materials to customers