List of FICO Score XD Customers
Bozeman, 59715, MT,
United States
Since 2010, our global team of researchers has been studying FICO Score XD customers around the world, aggregating massive amounts of data points that form the basis of our forecast assumptions and perhaps the rise and fall of certain vendors and their products on a quarterly basis.
Each quarter our research team identifies companies that have purchased FICO Score XD for Credit Union Management from public (Press Releases, Customer References, Testimonials, Case Studies and Success Stories) and proprietary sources, including the customer size, industry, location, implementation status, partner involvement, LOB Key Stakeholders and related IT decision-makers contact details.
Companies using FICO Score XD for Credit Union Management include: Navy Federal Credit Union, a United States based Banking and Financial Services organisation with 24000 employees and revenues of $12.51 billion, PenFed, a United States based Banking and Financial Services organisation with 2300 employees and revenues of $1.60 billion, State Employees' Credit Union NC, a United States based Banking and Financial Services organisation with 7400 employees and revenues of $1.17 billion and many others.
Contact us if you need a completed and verified list of companies using FICO Score XD, including the breakdown by industry (21 Verticals), Geography (Region, Country, State, City), Company Size (Revenue, Employees, Asset) and related IT Decision Makers, Key Stakeholders, business and technology executives responsible for the software purchases.
The FICO Score XD customer wins are being incorporated in our Enterprise Applications Buyer Insight and Technographics Customer Database which has over 100 data fields that detail company usage of software systems and their digital transformation initiatives. Apps Run The World wants to become your No. 1 technographic data source!
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| Logo | Customer | Industry | Empl. | Revenue | Country | Vendor | Application | Category | When | SI | Insight | Insight Source |
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Navy Federal Credit Union | Banking and Financial Services | 24000 | $12.5B | United States | FICO | FICO Score XD | Credit Union Management | 2018 | n/a | In 2018 Navy Federal Credit Union implemented FICO Score XD within its Credit Union Management environment in the United States, aligning with FICO’s Score Open Access participation to share consumer FICO scores with members and support member facing credit transparency and underwriting processes. The deployment is tied to public listings by FICO that identify Navy Federal among institutions participating in score sharing programs, indicating FICO Score XD was used as part of those member disclosure efforts. The implementation focused on operationalizing FICO Score XD for member access and underwriting decision support, configuring score delivery and disclosure controls consistent with Credit Union Management workflows. Functional capabilities implemented included score provisioning for member interfaces, score display controls for consumer communication, and embedding score outputs into loan review and underwriting decision processes. Integrations emphasized operational connectivity rather than specific vendor names, linking FICO Score XD outputs into Navy Federal’s member portals, loan origination and underwriting workflows, and customer service channels across its United States operations. These integrations enabled automated score propagation from the FICO Score XD service into case files and member accounts to inform credit adjudication and member inquiries. Governance and rollout activities reflected program level controls to manage score sharing under the FICO Score Open Access framework, including policy configuration for score disclosure, consent handling, and alignment with underwriting policy rules within the Credit Union Management domain. The work supported greater member facing credit transparency and directly informed underwriting processes as reported in FICO’s program milestone communications. | |
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PenFed | Banking and Financial Services | 2300 | $1.6B | United States | FICO | FICO Score XD | Credit Union Management | 2018 | n/a | In 2018, PenFed participated in FICO's Score Open Access program and is inferred to have adopted FICO Score XD as part of its Credit Union Management tooling to share consumer credit scores with members and to support credit education and lending decisioning in the United States. FICO Score XD is referenced here as the inferred thin file scoring module used to extend score visibility to members who lack traditional credit bureau records, aligning with Open Access program objectives. The inferred implementation of FICO Score XD would focus on score disclosure and thin file credit decisioning capabilities, embedding FICO Score XD into member-facing disclosure channels and underwriting workflows within core Credit Union Management operations. Functional modules aligned to this use case include member score sharing and educational content delivery, automated thin file scoring signals for lending decisioning, and integration points with member portals and loan origination touchpoints to present scores and explanatory guidance. Operational scope centers on member services and lending operations across the United States, with governance work likely concentrated on score disclosure policy, member communications, and adjustment of underwriting rules to consume thin file signals. PenFed's participation in the Open Access program explicitly aimed to improve member engagement and transparency, a stated outcome of the Score Open Access initiative tied to this inferred FICO Score XD usage. | |
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State Employees' Credit Union NC | Banking and Financial Services | 7400 | $1.2B | United States | FICO | FICO Score XD | Credit Union Management | 2016 | n/a | In 2016, State Employees' Credit Union NC publicly praised FICO's Score Open Access program and is inferred to have adopted FICO Score XD within its Credit Union Management environment. The year 2016 ties to SECU's public statements that highlight use of FICO scoring to drive member engagement and credit education, and FICO Score XD is identified here as the application name under the Credit Union Management category. SECU's public commentary describes using FICO scores to improve member facing lending and finance processes, which indicates the scoring capability was applied to consumer lending and member services workflows. FICO Score XD, as an alternative data scoring product, aligns with the observed emphasis on expanding credit visibility for members with limited traditional credit files, supporting credit education and prequalification communications. Operationally the adoption is described in the context of North Carolina, United States, and the functional impact centers on lending operations, member services, and consumer finance teams. The narrative implies configuration of scoring outputs into member facing channels and lending decision workflows to surface scores to members as part of engagement and education initiatives, consistent with Score Open Access usage. Governance and process implications are oriented around score disclosure and member communication, requiring operational controls for when and how FICO Score XD outputs inform lending conversations and educational content. The account remains careful to note that FICO Score XD adoption is inferred from SECU's public use of FICO scoring programs and the source did not explicitly name the specific module beyond FICO Score Open Access. |
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