Is FICO down right now?
Checking…Verifying live status…
Our latest checks found FICO responding normally. Live verification is running now.
Your report feeds the live outage-velocity detector. One click per 30 s.
Live latency (probe round-trip, ms)
User reports, last 24 hours
Outage history
last 30 days
Recent outages and issues we recorded for FICO, based on our own checks. An episode opens on the second check that finds a problem, since a single adverse reading is not reported, and closes when a check finds the service normal again.
No problemsProblemsOutageNot monitored
What FICO reported
last 30 days
Taken from FICO's own published incident feed. These are their words about their own service, shown here so you can compare them with what we measured. Scheduled maintenance and test posts are filtered out.
Comments
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How we check FICO
No evidence of problems with FICO. Our last recorded check found it behaving normally. That does not rule out a fault affecting only some users or regions.
Every check runs a four-tier cascade and stops at the first tier that gives a clear answer: FICO's official status feed, then a direct HTTP probe, then an ICMP network ping, and finally reports from visitors. The Verification tier box above tells you which one produced the verdict you are looking at. When enough separate people report a problem for it to be well outside what FICO normally sees, that counts as evidence too, which is how a partial fault can show here before an operator's own status page catches up.
FICO (fico.com) is re-checked continuously, and this page picks up any change on its own, with no refresh needed.
Common FICO problems users report
- Credit score not loading or showing as unavailable
- Loan application stuck in pending status for hours
- Lender portal returning error when pulling credit reports
- Dispute submission rejected or not processing
What to do when FICO is not working
First check the banner above. If it shows evidence of problems, the fault is most likely on FICO's side and waiting is usually the only option. If it shows nothing wrong, check whether your lender has an alternate credit bureau they can query, contact FICO support to verify your account status, or request a manual credit review from your lender while automated scoring is unavailable.
About FICO
FICO provides credit scoring and risk assessment services that lenders, insurers, and other financial institutions use to evaluate creditworthiness. When FICO services are down, credit decisions are delayed, loan applications stall, and users cannot access their credit scores or dispute inaccuracies.
Official FICO resources
Cross-check an incident with the company's own channels:
- FICO help centerSupport articles and contact options
Frequently asked questions
Is FICO down right now?
No. Our checks are finding no problems with FICO right now. That verdict is live, and the banner at the top of this page carries it too. We re-check FICO continuously using its official status feed, direct network probes and reports from visitors, stopping at the first check that gives a clear answer, and the page updates itself as soon as anything changes. A green verdict does not rule out a fault affecting only some users or regions.
What usually goes wrong with FICO?
The problems visitors report most often on this page are API errors, no response / timing out, can't log in, website / app down, 5xx error pages and slow or laggy. Those are the options the report button offers for FICO, chosen for how this service actually fails rather than a generic list, and the "user reports" chart above breaks down which ones people are picking right now.
Why is FICO score not loading for me when this page says it is fine?
Our checks run from one place on the internet, so a fault limited to your region or network can be real while our probes succeed. With FICO specifically, FICO's credit bureaus, scoring engines, and lender API gateways operate independently, so a user's score may be unreachable while other lenders' queries succeed, or disputes may fail to route to the correct bureau. That is why this page reports what it observed rather than declaring the service healthy, and why reports from other visitors count toward the verdict.
How do I tell whether it is FICO or my own connection?
For FICO, try accessing your FICO score through myfico.com or your lender's portal from a different device and network. A problem that follows you across networks and devices is very unlikely to be yours.
What should I do while FICO is down?
If this page shows evidence of problems, the fault is most likely on FICO's side. Specifically: do not resubmit disputes or credit applications repeatedly, as each submission creates a new record and can lower your score further; wait for FICO to confirm service restoration before reapplying. Reporting it here helps other people see they are not alone.
How does status.buzz check FICO?
Continuously, around the clock. FICO does not publish a machine-readable status feed, so we cannot read a verdict from them. We probe fico.com directly over HTTP, fall back to an ICMP ping if that is inconclusive, and weigh reports from visitors. That means we can tell you the service is unreachable, but not what FICO says about it. The verification tier box on this page names whichever check produced the verdict you are reading, so you can see how direct the evidence is.
Is status.buzz affiliated with FICO?
No. status.buzz is an independent monitoring site operated by LuzLab LLC, with no connection to FICO or fico.com. It reads publicly available endpoints and status feeds, and publishes what it observed. For account or billing problems you need FICO's own support, not us.
Other credit services
Live status. Each dot updates automatically.
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