The Fair, Isaac, and Company (FICO) credit score is among the most widely used credit risk indicators in consumer lending markets. Many lenders rely heavily on such credit risk indicators to objectively assess consumers’ credit risk and ultimately make credit decisions. A FICO score ranges from 300 to 850 points, with higher scores representing lower associated credit risk. A lender’s use of the FICO score potentially benefits both the lender and the consumer by providing access to faster loan decision making, objective credit decisions, and greater access to credit in consumer lending markets.