What is a BICS score?

This is the real credit score.  The Bankers Internal Credit Score (BICS) rating systems analyze a borrower’s ability to repay a loan based on their financial condition. These may include factors, such as determining their cash flows, profitability, debt profile, industry and operational background, liquidity, etc.  This number is also called a blended score.  This number is different for each industry.  That is why your credit score will differ from your mortgage score, your insurance score, and your auto score.