Definition: A credit bureau risk score produced from models developed by Fair, Isaac and Company, Inc.; commonly known as FICO scores. Fair, Isaac credit bureau scores are used by lenders and others to assess the credit risk of prospective borrowers or existing customers, in order to help make credit and marketing decisions. These scores are derived solely from the information available on credit bureau reports. Credit bureau scores are often called “FICO scores” because most credit bureau scores used in the US are produced from software developed by Fair, Isaac and Company (FICO). FICO scores are presently provided to lenders by the three major credit reporting agencies: Equifax, Experian and Trans Union.