Definition
An Empirica score is a credit score provided to lenders by TransUnion.
Analysis
Empirica score is the lender version of a credit score, which differs from that which a consumer may purchase. TransUnion provides a separate TransUnion score and a TransRisk score as consumer products.
The Empirica score is a FICO credit score, whereas the consumer products marketed by TransUnion are not. TransUnion subscribes to the FICO risk scoring model and then tweak it to produce their own version.
An Empirica score follows a range from 150 to 934.
