미국의 페어아이잭코프(Fair Issac Corporation)사가 제공하는 개인신용평가 서비스

세금, 공과금, 직업 등의 정보를 종합해 개인신용을 평가

FICO score is a credit score created by Fair Isaac Corporation (FICO), and it is used to quantify and evaluate an individual’s creditworthiness and determine whether to extend credit or not. FICO scores take into considering data in five areas: payment history, current level of indebtedness, types of credit used, length of credit history, and new credit accounts.