Skip to main content

Security report for fico.com

FICO · Finance · United States

Medium risk. 3 critical or high findings in GDPR outside view and SSL/TLS.

Security score

73/100

Risk levelMedium

0–100, higher is better. How it is calculated

FICO is a leading analytics company specializing in providing advanced analytics software, solutions, and services that empower businesses to make better decisions, driving growth, profitability, and customer satisfaction. The company is well-established with a founding date in 1956 and operates primarily in the finance and technology sectors, serving lenders, investors, consumers, and enterprises globally. Their product portfolio includes credit scoring models, fraud detection systems, customer communication services, and business outcome simulators, positioning them as a market leader in analytics and decision management. Technically, the FICO website is built on Drupal CMS and leverages modern web technologies such as Google Tag Manager, Osano for consent management, and Maze Analytics for user behavior insights. The site is well-optimized for performance, mobile responsiveness, and accessibility, with comprehensive SEO and metadata implementations. The presence of structured data (JSON-LD) enhances search engine understanding and brand visibility. From a security perspective, the website enforces HTTPS and employs cookie consent mechanisms, indicating a mature privacy compliance posture. While explicit security headers were not fully confirmed in the HTML, the overall security posture is strong with no visible vulnerabilities or exposed sensitive data. The absence of WHOIS data is noted but likely due to registry or privacy policies rather than malicious intent. Overall, FICO's digital presence reflects a professional, trustworthy, and well-managed enterprise with strong compliance and security awareness. Strategic recommendations include enhancing transparency around security policies and incident response, confirming security headers, and establishing a public vulnerability disclosure program to further strengthen trust and security culture.

Scanned

NIS2 and GDPR posture

GDPR outside view
53/ 100 · Medium
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

3 findings rated critical or high. Fix these first.

  1. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

  2. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1

Need hands-on remediation? Email guard@offseq.com

Keep watching fico.com

This scan found 15 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

Daily monitoring

Recommended

€25per month

  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

Email alerts on material changes and an exportable JSON history of every change.

Billed monthly to your card. Cancel anytime. The full timeline opens with your unlock code.

Full report

€39.90one-time

  • The complete analysis as a PDF you can cite
  • Email delivery with an unlock code
  • Lifetime access to this report

Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
82
Security headers
70
Email security
50
DNS health
85
Network security
100
GDPR outside view
53
Average
73

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

FICO holds a dominant market position as a provider of analytics and credit scoring solutions, serving a broad range of financial services clients including banks, insurers, and lenders. Their competitive advantage lies in their advanced predictive analytics, AI-powered decisioning platforms, and comprehensive product suite that addresses customer lifecycle management and fraud prevention. The business model is primarily B2B with some B2C elements, targeting enterprises and consumers who rely on credit scoring and risk assessment. Revenue streams likely include software licensing, consulting, and subscription services. The company maintains a strong partnership ecosystem and a global footprint, supported by a consistent brand and high-quality content that reinforces their industry leadership and innovation focus.

Security posture

FICO demonstrates a mature security posture with enforced HTTPS, cookie consent management, and no visible exposure of sensitive data. The website uses modern libraries and frameworks, reducing the risk of vulnerabilities. However, explicit security headers such as Content-Security-Policy and X-Frame-Options were not confirmed in the provided HTML and should be verified. There is no public incident response or security policy information found, which could be improved to enhance transparency and readiness. Compliance with GDPR is indicated through privacy policy and consent mechanisms. No vulnerabilities or malware indicators were detected. Overall, the security maturity is high but could benefit from enhanced policy disclosures and vulnerability management transparency.

Recommendations

  1. Verify and implement comprehensive security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.
  2. Publish a detailed security policy and incident response plan accessible to users and partners.
  3. Establish and publicize a vulnerability disclosure program or security.txt file to encourage responsible reporting.
  4. Continue to maintain and enhance privacy compliance mechanisms, including clear data retention policies.
  5. Enhance WHOIS transparency if possible to improve domain registration trust signals.

Contact details published on the site

Addresses
Legal name
FICO
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
FICO
Description
FICO is an analytics company that is helping businesses make better decisions that drive higher levels of growth, profitability and customer satisfaction.
Key services
Analytics software, Predictive analytics, Credit scoring, Fraud detection, Customer communication services, Business outcome simulation, Optimization and decision management
Content quality
excellent
Branding
consistent

Technology

Stack
Google Tag Manager, YouTube Widget API, Lazysizes (lazy loading images), Osano Consent Management, Maze Analytics snippet
Frameworks
Drupal CMS
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent banner with management options
  • No exposed sensitive data in HTML
  • Use of modern libraries

Analytics and tracking

Services
Google Analytics, Maze Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Google Analytics (via GTM), Maze Analytics
Marketing tools
Osano Consent Management
Transparency
good

Site quality

Design
excellent
User experience
excellent
Content relevance
excellent
Navigation
excellent
Professionalism
excellent
Trustworthiness
high

Key observations

  1. Website is fully accessible with rich content and professional design.
  2. Strong presence of business and product information targeting financial services and analytics sectors.
  3. Comprehensive cookie consent and privacy policy mechanisms in place.
  4. No signs of adult or questionable content.
  5. WHOIS data is unavailable or blocked, which is unusual but not uncommon for large enterprises using privacy or registry restrictions.
  6. Use of modern web technologies and analytics tools.
  7. No visible security vulnerabilities or exposed sensitive data.
Technical notes

Notes

The website is built on Drupal CMS, utilizing modern JavaScript libraries and asynchronous loading techniques to optimize performance. Integration with Google Tag Manager and Maze Analytics indicates advanced user behavior tracking and marketing analytics capabilities. The site is mobile-optimized with responsive images and accessibility features. The technical infrastructure supports a fast and reliable user experience with well-structured metadata and SEO practices. There is no indication of legacy or vulnerable technologies. Opportunities exist to further modernize security headers and enhance transparency around hosting and infrastructure details.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

Reviews of this site

Share your experience with fico.com. Every review is verified by email and published after moderation.

Overall rating
Select a rating
4000 characters remaining

We’ll email you to confirm your review and keep your details private.

Community rating

No published reviews yet. Be the first to review fico.com.

Feedback on this report

Rate this report, add an optional comment, and tell us if you want a security specialist to follow up.

Overall report quality
Select a rating
2000 characters remaining

We only use your feedback to improve Guard reports. Contact details are never shared.