risk based pricing rule — fico bankcard score · fico® bankcard score 1 score range min score...

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475 Anton Boulevard Costa Mesa, CA 92626 www.experian.com Risk Based Pricing Rule — FICO ® Bankcard Score • FICO ® Bankcard Score 1 Bar Graph, EXF2B-G • FICO ® Bankcard Score 1 Table, EXF2B-G • FICO ® Bankcard Score 2 Bar Graph, EXF3B-G • FICO ® Bankcard Score 2 Table, EXF3B-G • FICO ® Bankcard Score 3 Bar Graph, EXF4B-G • FICO ® Bankcard Score 3 Table, EXF4B-G • FICO ® Bankcard Score 8 Bar Graph, EXF5B-G • FICO ® Bankcard Score 8 Table, EXF5B-G • FICO ® Bankcard Score 9 Bar Graph, EXF6B-G • FICO ® Bankcard Score 9 Table, EXF6B-G To view a specific graph or table, click on the respective link below.

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Page 1: Risk Based Pricing Rule — FICO Bankcard Score · FICO® Bankcard Score 1 Score Range Min Score Range Max Cumulative % 336 483 1% 484 495 2% 496 503 3% 504 508 4% 509 513 5% 514

475 Anton BoulevardCosta Mesa, CA 92626www.experian.com

Risk Based Pricing Rule — FICO® Bankcard Score

• FICO® Bankcard Score 1 Bar Graph, EXF2B-G • FICO® Bankcard Score 1 Table, EXF2B-G • FICO® Bankcard Score 2 Bar Graph, EXF3B-G• FICO® Bankcard Score 2 Table, EXF3B-G• FICO® Bankcard Score 3 Bar Graph, EXF4B-G• FICO® Bankcard Score 3 Table, EXF4B-G• FICO® Bankcard Score 8 Bar Graph, EXF5B-G• FICO® Bankcard Score 8 Table, EXF5B-G• FICO® Bankcard Score 9 Bar Graph, EXF6B-G• FICO® Bankcard Score 9 Table, EXF6B-G

To view a specific graph or table, click on the respective link below.

Page 2: Risk Based Pricing Rule — FICO Bankcard Score · FICO® Bankcard Score 1 Score Range Min Score Range Max Cumulative % 336 483 1% 484 495 2% 496 503 3% 504 508 4% 509 513 5% 514

EXF2B-G

2%

11%

13%

10%

12%

15%

21%

16%

0%

5%

10%

15%

20%

25%

30%

336–499 500–549 550–599 600–649 650–699 700–749 750–799 800–859

% o

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FICO® Bankcard Score 1

© 2016 FICO EXF2B-G

FICO® Bankcard Score 1© 2016 FICO; © 2016 Experian; All rights reserved

Page 3: Risk Based Pricing Rule — FICO Bankcard Score · FICO® Bankcard Score 1 Score Range Min Score Range Max Cumulative % 336 483 1% 484 495 2% 496 503 3% 504 508 4% 509 513 5% 514

EXF3B-G

2%

7%

11% 11%12%

13%

16%

28%

0%

5%

10%

15%

20%

25%

30%

276–499 500–549 550–599 600–649 650–699 700–749 750–799 800–878

% o

f con

sum

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FICO® Bankcard Score 2

© 2016 FICO EXF3B-G

FICO® Bankcard Score 2© 2016 FICO; © 2016 Experian; All rights reserved

Page 4: Risk Based Pricing Rule — FICO Bankcard Score · FICO® Bankcard Score 1 Score Range Min Score Range Max Cumulative % 336 483 1% 484 495 2% 496 503 3% 504 508 4% 509 513 5% 514

EXF4B-G

3%

6%

9%

13%14% 14%

30%

0%

5%

10%

15%

20%

25%

30%

289–499 500–549 550–599 600–649 650–699 700–749 750–799 800–900

% o

f con

sum

ers

wit

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FICO® Bankcard Score 3

© 2016 FICO EXF4B-G

11%

FICO® Bankcard Score 3© 2016 FICO; © 2016 Experian; All rights reserved

Page 5: Risk Based Pricing Rule — FICO Bankcard Score · FICO® Bankcard Score 1 Score Range Min Score Range Max Cumulative % 336 483 1% 484 495 2% 496 503 3% 504 508 4% 509 513 5% 514

EXF5B-G

5%7%

8%

13%

16%

25%

15%

0%

5%

10%

15%

20%

25%

264–499 500–549 550–599 600–649 650–699 700–749 750–799 800–900

% o

f con

sum

ers

wit

h sc

ores

in p

arti

cula

r ran

ge

FICO® Bankcard Score 8

© 2016 FICO EXF5B-G

11%

FICO® Bankcard Score 8© 2016 FICO; © 2016 Experian; All rights reserved

Page 6: Risk Based Pricing Rule — FICO Bankcard Score · FICO® Bankcard Score 1 Score Range Min Score Range Max Cumulative % 336 483 1% 484 495 2% 496 503 3% 504 508 4% 509 513 5% 514

EXF6B-G

5%7%

8%

14%15%

27%

14%

0%

5%

10%

15%

20%

25%

30%

250–499 500–549 550–599 600–649 650–699 700–749 750–799 800–894

% o

f con

sum

ers

wit

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ores

in p

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cula

r ran

ge

FICO® Bankcard Score 9

© 2016 FICO EXF6B-G

10%

FICO® Bankcard Score 9© 2016 FICO; © 2016 Experian; All rights reserved

Page 7: Risk Based Pricing Rule — FICO Bankcard Score · FICO® Bankcard Score 1 Score Range Min Score Range Max Cumulative % 336 483 1% 484 495 2% 496 503 3% 504 508 4% 509 513 5% 514

FICO® Bankcard Score 1

Score Range Min Score Range Max Cumulative %

336 483 1%

484 495 2%

496 503 3%

504 508 4%

509 513 5%

514 519 6%

520 524 7%

525 528 8%

529 532 9%

533 536 10%

537 541 11%

542 544 12%

545 547 13%

548 551 14%

552 555 15%

556 559 16%

560 562 17%

563 564 18%

565 569 19%

570 570 20%

571 575 21%

576 578 22%

579 583 23%

584 587 24%

588 592 25%

593 595 26%

596 600 27%

601 606 28%

607 610 29%

611 616 30%

617 621 31%

622 627 32%

628 632 33%

633 637 34%

638 642 35%

643 647 36%

Page 8: Risk Based Pricing Rule — FICO Bankcard Score · FICO® Bankcard Score 1 Score Range Min Score Range Max Cumulative % 336 483 1% 484 495 2% 496 503 3% 504 508 4% 509 513 5% 514

FICO® Bankcard Score 1

Score Range Min Score Range Max Cumulative %

648 651 37%

652 656 38%

657 660 39%

661 665 40%

666 670 41%

671 674 42%

675 678 43%

679 682 44%

683 686 45%

687 690 46%

691 694 47%

695 698 48%

699 702 49%

703 705 50%

706 709 51%

710 713 52%

714 716 53%

717 720 54%

721 724 55%

725 727 56%

728 730 57%

731 733 58%

734 737 59%

738 740 60%

741 743 61%

744 746 62%

747 749 63%

750 752 64%

753 755 65%

756 757 66%

758 760 67%

761 762 68%

763 764 69%

765 766 70%

767 769 71%

770 771 72%

772 773 73%

774 776 74%

777 778 75%

Page 9: Risk Based Pricing Rule — FICO Bankcard Score · FICO® Bankcard Score 1 Score Range Min Score Range Max Cumulative % 336 483 1% 484 495 2% 496 503 3% 504 508 4% 509 513 5% 514

FICO® Bankcard Score 1

Score Range Min Score Range Max Cumulative %

779 781 76%

782 784 77%

785 786 78%

787 788 79%

789 790 80%

791 793 81%

794 795 82%

796 797 83%

798 799 84%

800 801 85%

802 803 86%

804 804 87%

805 807 88%

808 810 89%

811 812 90%

813 814 91%

815 816 92%

817 818 93%

819 819 94%

820 822 95%

823 825 96%

826 828 97%

829 833 98%

834 837 99%

838 859 100%

© 2016 FICO; © 2016 Experian; All rights reserved EXF2B-G

Page 10: Risk Based Pricing Rule — FICO Bankcard Score · FICO® Bankcard Score 1 Score Range Min Score Range Max Cumulative % 336 483 1% 484 495 2% 496 503 3% 504 508 4% 509 513 5% 514

FICO® Bankcard Score 2

Score Range Min Score Range Max Cumulative %

276 481 1%

482 498 2%

499 509 3%

510 518 4%

519 526 5%

527 533 6%

534 539 7%

540 545 8%

546 550 9%

551 555 10%

556 560 11%

561 566 12%

567 571 13%

572 575 14%

576 580 15%

581 584 16%

585 588 17%

589 593 18%

594 598 19%

599 603 20%

604 607 21%

608 612 22%

613 617 23%

618 621 24%

622 626 25%

627 631 26%

632 635 27%

636 639 28%

640 643 29%

644 647 30%

648 651 31%

652 655 32%

656 660 33%

661 664 34%

665 668 35%

669 672 36%

Page 11: Risk Based Pricing Rule — FICO Bankcard Score · FICO® Bankcard Score 1 Score Range Min Score Range Max Cumulative % 336 483 1% 484 495 2% 496 503 3% 504 508 4% 509 513 5% 514

FICO® Bankcard Score 2

Score Range Min Score Range Max Cumulative %

673 677 37%

678 680 38%

681 685 39%

686 689 40%

690 693 41%

694 697 42%

698 701 43%

702 705 44%

706 709 45%

710 713 46%

714 717 47%

718 721 48%

722 724 49%

725 728 50%

729 731 51%

732 736 52%

737 739 53%

740 743 54%

744 746 55%

747 749 56%

750 753 57%

754 757 58%

758 760 59%

761 763 60%

764 767 61%

768 770 62%

771 773 63%

774 777 64%

778 780 65%

781 782 66%

783 785 67%

786 788 68%

789 791 69%

792 794 70%

795 796 71%

797 800 72%

801 803 73%

804 805 74%

806 807 75%

Page 12: Risk Based Pricing Rule — FICO Bankcard Score · FICO® Bankcard Score 1 Score Range Min Score Range Max Cumulative % 336 483 1% 484 495 2% 496 503 3% 504 508 4% 509 513 5% 514

FICO® Bankcard Score 2

Score Range Min Score Range Max Cumulative %

808 810 76%

811 813 77%

814 815 78%

816 818 79%

819 820 80%

821 822 81%

823 825 82%

826 827 83%

828 828 84%

829 830 85%

831 832 86%

833 834 87%

835 836 88%

837 839 89%

840 841 90%

842 843 91%

844 845 92%

846 846 93%

847 848 94%

849 850 95%

851 853 96%

854 856 97%

857 860 98%

861 865 99%

866 878 100%

© 2016 FICO; © 2016 Experian; All rights reserved EXF3B-G

Page 13: Risk Based Pricing Rule — FICO Bankcard Score · FICO® Bankcard Score 1 Score Range Min Score Range Max Cumulative % 336 483 1% 484 495 2% 496 503 3% 504 508 4% 509 513 5% 514

FICO® Bankcard Score 3

Score Range Min Score Range Max Cumulative %

289 473 1%

474 492 2%

493 504 3%

505 514 4%

515 522 5%

523 530 6%

531 537 7%

538 543 8%

544 550 9%

551 556 10%

557 562 11%

563 567 12%

568 573 13%

574 579 14%

580 584 15%

585 588 16%

589 594 17%

595 599 18%

600 604 19%

605 609 20%

610 613 21%

614 618 22%

619 622 23%

623 627 24%

628 632 25%

633 636 26%

637 640 27%

641 644 28%

645 647 29%

648 652 30%

653 656 31%

657 660 32%

661 663 33%

664 667 34%

668 671 35%

672 675 36%

Page 14: Risk Based Pricing Rule — FICO Bankcard Score · FICO® Bankcard Score 1 Score Range Min Score Range Max Cumulative % 336 483 1% 484 495 2% 496 503 3% 504 508 4% 509 513 5% 514

FICO® Bankcard Score 3

Score Range Min Score Range Max Cumulative %

676 679 37%

680 683 38%

684 686 39%

687 689 40%

690 693 41%

694 697 42%

698 700 43%

701 704 44%

705 708 45%

709 712 46%

713 715 47%

716 719 48%

720 722 49%

723 726 50%

727 729 51%

730 733 52%

734 737 53%

738 741 54%

742 744 55%

745 748 56%

749 751 57%

752 755 58%

756 760 59%

761 763 60%

764 767 61%

768 770 62%

771 774 63%

775 777 64%

778 781 65%

782 785 66%

786 788 67%

789 792 68%

793 795 69%

796 798 70%

799 801 71%

802 803 72%

804 806 73%

807 810 74%

811 812 75%

Page 15: Risk Based Pricing Rule — FICO Bankcard Score · FICO® Bankcard Score 1 Score Range Min Score Range Max Cumulative % 336 483 1% 484 495 2% 496 503 3% 504 508 4% 509 513 5% 514

FICO® Bankcard Score 3

Score Range Min Score Range Max Cumulative %

813 815 76%

816 817 77%

818 819 78%

820 821 79%

822 824 80%

825 826 81%

827 829 82%

830 831 83%

832 833 84%

834 836 85%

837 838 86%

839 840 87%

841 842 88%

843 844 89%

845 845 90%

846 847 91%

848 848 92%

849 851 93%

852 854 94%

855 856 95%

857 857 96%

858 861 97%

862 866 98%

867 873 99%

874 900 100%

© 2016 FICO; © 2016 Experian; All rights reserved EXF4B-G

Page 16: Risk Based Pricing Rule — FICO Bankcard Score · FICO® Bankcard Score 1 Score Range Min Score Range Max Cumulative % 336 483 1% 484 495 2% 496 503 3% 504 508 4% 509 513 5% 514

FICO® Bankcard Score 8

Score Range Min Score Range Max Cumulative %

264 462 1%

463 475 2%

476 485 3%

486 494 4%

495 501 5%

502 509 6%

510 516 7%

517 523 8%

524 530 9%

531 537 10%

538 544 11%

545 550 12%

551 556 13%

557 563 14%

564 569 15%

570 574 16%

575 580 17%

581 586 18%

587 592 19%

593 597 20%

598 602 21%

603 607 22%

608 612 23%

613 616 24%

617 621 25%

622 625 26%

626 630 27%

631 635 28%

636 639 29%

640 644 30%

645 647 31%

648 652 32%

653 656 33%

657 661 34%

662 665 35%

666 669 36%

Page 17: Risk Based Pricing Rule — FICO Bankcard Score · FICO® Bankcard Score 1 Score Range Min Score Range Max Cumulative % 336 483 1% 484 495 2% 496 503 3% 504 508 4% 509 513 5% 514

FICO® Bankcard Score 8

Score Range Min Score Range Max Cumulative %

670 673 37%

674 677 38%

678 681 39%

682 684 40%

685 689 41%

690 692 42%

693 696 43%

697 699 44%

700 703 45%

704 706 46%

707 710 47%

711 712 48%

713 715 49%

716 719 50%

720 723 51%

724 726 52%

727 730 53%

731 733 54%

734 736 55%

737 739 56%

740 743 57%

744 744 58%

745 747 59%

748 751 60%

752 755 61%

756 758 62%

759 762 63%

763 764 64%

765 769 65%

770 772 66%

773 775 67%

776 779 68%

780 782 69%

783 785 70%

786 788 71%

789 791 72%

792 794 73%

795 797 74%

798 800 75%

Page 18: Risk Based Pricing Rule — FICO Bankcard Score · FICO® Bankcard Score 1 Score Range Min Score Range Max Cumulative % 336 483 1% 484 495 2% 496 503 3% 504 508 4% 509 513 5% 514

FICO® Bankcard Score 8

Score Range Min Score Range Max Cumulative %

801 803 76%

804 805 77%

806 808 78%

809 811 79%

812 813 80%

814 816 81%

817 818 82%

819 820 83%

821 823 84%

824 825 85%

826 828 86%

829 830 87%

831 834 88%

835 836 89%

837 838 90%

839 841 91%

842 845 92%

846 848 93%

849 851 94%

852 856 95%

857 860 96%

861 865 97%

866 871 98%

872 880 99%

881 900 100%

© 2016 FICO; © 2016 Experian; All rights reserved EXF5B-G

Page 19: Risk Based Pricing Rule — FICO Bankcard Score · FICO® Bankcard Score 1 Score Range Min Score Range Max Cumulative % 336 483 1% 484 495 2% 496 503 3% 504 508 4% 509 513 5% 514

FICO® Bankcard Score 9

Score Range Min Score Range Max Cumulative %

250 449 1%

450 470 2%

471 484 3%

485 495 4%

496 502 5%

503 510 6%

511 517 7%

518 524 8%

525 531 9%

532 538 10%

539 545 11%

546 551 12%

552 558 13%

559 564 14%

565 571 15%

572 577 16%

578 584 17%

585 590 18%

591 596 19%

597 602 20%

603 608 21%

609 614 22%

615 620 23%

621 625 24%

626 630 25%

631 635 26%

636 639 27%

640 643 28%

644 647 29%

648 651 30%

652 655 31%

656 660 32%

661 663 33%

664 668 34%

669 672 35%

673 675 36%

Page 20: Risk Based Pricing Rule — FICO Bankcard Score · FICO® Bankcard Score 1 Score Range Min Score Range Max Cumulative % 336 483 1% 484 495 2% 496 503 3% 504 508 4% 509 513 5% 514

FICO® Bankcard Score 9

Score Range Min Score Range Max Cumulative %

676 678 37%

679 682 38%

683 685 39%

686 689 40%

690 692 41%

693 695 42%

696 697 43%

698 701 44%

702 704 45%

705 707 46%

708 710 47%

711 714 48%

715 717 49%

718 718 50%

719 722 51%

723 725 52%

726 729 53%

730 732 54%

733 736 55%

737 740 56%

741 744 57%

745 747 58%

748 750 59%

751 754 60%

755 758 61%

759 761 62%

762 765 63%

766 769 64%

770 773 65%

774 777 66%

778 780 67%

781 784 68%

785 787 69%

788 790 70%

791 793 71%

794 796 72%

797 799 73%

800 802 74%

803 805 75%

Page 21: Risk Based Pricing Rule — FICO Bankcard Score · FICO® Bankcard Score 1 Score Range Min Score Range Max Cumulative % 336 483 1% 484 495 2% 496 503 3% 504 508 4% 509 513 5% 514

FICO® Bankcard Score 9

Score Range Min Score Range Max Cumulative %

806 808 76%

809 811 77%

812 813 78%

814 816 79%

817 819 80%

820 821 81%

822 824 82%

825 826 83%

827 828 84%

829 831 85%

832 833 86%

834 835 87%

836 837 88%

838 838 89%

839 840 90%

841 842 91%

843 844 92%

845 846 93%

847 847 94%

848 850 95%

851 852 96%

853 856 97%

857 860 98%

861 867 99%

868 894 100%

© 2016 FICO; © 2016 Experian; All rights reserved EXF6B-G