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The table below summarises some key information about Grid for Screening from Moody's and FICO Score from FICO, giving you some points to compare.
| Grid for Screening | FICO Score | |
|---|---|---|
| Product Use-cases | ||
| Product Description |
Grid for Screening by Moody's is a risk database that compiles information on individuals and entities involved in financial crime, corruption, and other illicit activities. It aids organizations in screening and monitoring clients and third parties against a comprehensive set of risk indicators, ensuring compliance with regulatory standards and protecting against reputational risks. |
The FICO® Score is a widely recognized credit risk assessment tool used by lenders to evaluate the likelihood that a consumer will repay a loan as agreed. It analyzes information from credit reports to produce a score that helps lenders make informed credit decisions across the customer lifecycle. :contentReference[oaicite:2]{index=2} |
| Vendor | Moody's | FICO |
| Vendor Awards |
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| Vendor Headquarters | United States | United States |
| Vendor Founded | 1909 | 1956 |
| About the vendors |
Moody’s is a globally recognized integrated risk assessment firm best known for its credit ratings, research, and analytical tools in the financial sector. Founded in 1909 by John Moody, the company has grown over the past century to become one of the “Big Three” credit rating agencies, alongside Standard & Poor’s and Fitch Ratings. Moody’s provides ratings, insights, and risk analysis that inform and guide investors, financial market participants, and policymakers around the world. At the core of Moody’s offerings are its credit ratings—an evaluation of creditworthiness that measures the likelihood that a borrower (such as a corporation, government, or structured finance entity) will be able to meet its debt obligations. These ratings, expressed through a standardized alphanumeric scale (ranging from Aaa for the highest-quality obligations to C for those in default), help inform lending decisions, influence interest rates, and shape investor perceptions. They are often required by regulatory bodies and are considered an essential component in global capital markets. Moody’s also provides a wide array of research, data, and analytic tools to support risk management, portfolio analysis, and strategic decision-making. Through its subsidiary Moody’s Analytics, the firm delivers software solutions, economic data sets, quantitative models, and advisory services. These offerings support customers in areas ranging from credit risk measurement, stress testing, and regulatory compliance to supply chain management and environmental, social, and governance (ESG) assessments. Another critical function of Moody’s is its role as a thought leader. Its analysts regularly publish sector research, market outlooks, and special commentary on emerging economic and financial trends. These insights help shape market discourse and policy debates on issues ranging from global debt sustainability to climate risk and systemic financial vulnerabilities. |
FICO, originally known as Fair Isaac Corporation, is a data analytics company headquartered in Bozeman, Montana. Founded in 1956 by Bill Fair and Earl Isaac, FICO has become a major player in the field of credit scoring and financial technology. FICO offers a wide range of analytics software solutions and services, including: - Credit scoring (the widely-used FICO Score) - Fraud detection and prevention - Decision management - Customer communications - Collections and recovery solutions - Compliance tools The company serves various industries, including banking, telecommunications, insurance, healthcare, and retail. The FICO Score has become a standard measure of consumer credit risk in the United States. It plays a crucial role in lending decisions: - Used in 75% of home loan originations - Accessed by approximately 30 million American consumers (as of 2013) - Helps increase consumer access to credit by providing a standardized risk assessment tool FICO's influence extends beyond credit scoring, with its fraud protection services safeguarding over 2.5 billion credit cards. |
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