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Some FICO® Scores use alternative data, which is predictive, regulatory-compliant and found outside of the credit bureau file maintained by the credit bureaus. Telco and utility paymentdata , similar to credit bureau data is generally reported on a monthly basis.
We’re also pioneering the use of new forms of data, alternative data: With FICO® Score XD, which takes into account positive and negative telecommunications and utilities data and public record information not available in traditional credit files, millions of U.S. In the U.S.,
FICO Fact: Do FICO Scores Consider Telco And Utility Data? FICO® Scores have always considered telco and utility paymentdata that is furnished to the three nationwide U.S. The inclusion of telco and utility payment information dates back to the release of the very first FICO Scores in 1989.
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