FICO® Score

Independent credit risk scoring standard, which enables lenders worldwide to confidently make decisions regarding lending money to Ukrainians.

FICO, a world-renowned leader in automating risk assessment and decision-making
processes, has developed its creditworthiness evaluation model – the FICO Score, using data from the Ukrainian Bureau of Credit Histories (UBCH).

Scoring predicts the likelihood that a borrower will have a 90-day or more delinquency on their credit obligation within the next 12 months, based on the borrower’s credit history acquired in Ukraine. This credit risk evaluation can be applied to decisions regarding various levels of delinquency, time periods, customer segments, and credit products.

  • It ranges from 300 to 850. Where 300 is the highest risk and 850 is the lowest risk.
  • Based on the borrower’s credit history.
  • Calculated only for individuals with sufficient amount of credit history information.
  • The evaluation is based on five predictive characteristics, with relative significance:
    payment history (35%), outstanding debt (30%), length of credit history (15%), new
    loans (10%), and a combination of loan agreement types (10%).
Key features:

For accurate evaluation of credit risks


Uses the standard FICO score range from 300 to 850


It may return to up to four reason codes, indicating why the score was


The model was created using FICO’s best practices and knowledge

Distribution of bad loans by scoring ranges:

Quality indicators of the model:


This service is already available in the following countries:


Poland BIC


If you are interested in assessing the risks of lending to citizens of Ukraine using the FICO Score, please contact us at

Робота зі звітом
This method of reporting enables the automated processing of requests, and provides reports in the format of your choice.
General structure of interaction:
Http Method
Request URL
Test URL
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