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90% of top lenders use FICO® Scores– do you know yours? Get your FICO Score, from FICO. Compare your FICO Scores and credit reports from all 3 bureaus—Experian, TransUnion, and Equifax—side-by-side an

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Pioneering advanced analytics, AI, and machine learning to solve complex business challenges and create value for clients.

Innovation

Building a highly talented workforce with diverse backgrounds, experiences, and perspectives to drive innovation and business value.

Diversity & Inclusion

Delivering world-class analytics solutions with precision, reliability, and uncompromising quality standards.

Excellence

Maintaining the highest ethical standards in data handling, client relationships, and business operations.

Integrity

Investing in professional growth through training, mentorship, and career advancement opportunities.

Employee Development

Fair Isaac Corporation (FICO) is a leading analytics and decision management company best known for the FICO Score, the standard measure of U.S. consumer credit risk used by 90% of top lenders. The company provides AI-powered analytics software, solutions, and services that help organizations optimize business decisions across credit risk, fraud detection, and customer management.

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William J. Lansing

CEO & President

Braden R. Kelly

Chairman of the Board

Stuart Wells

CTO & Executive Vice President

FICO, originally Fair, Isaac and Company, is an American data analytics company based in Bozeman, Montana, focused on credit scoring services. It was founded by Bill Fair and Earl Isaac in 1956. Its FICO score, a measure of consumer credit risk, has become a fixture of consumer lending in the United States. In 2013, lenders purchased more than 10 billion FICO scores and about 30 million American consumers accessed their scores themselves. The company reported a revenue of $1.29 billion for the fiscal year of 2020.

The industry-standard measure of U.S. consumer credit risk used by 90% of top U.S. lenders and available in over 40 countries. The FICO Score helps lenders make faster, more accurate credit decisions and has facilitated trillions of dollars in consumer lending since its introduction. The Scores segment generated $920 million in revenue in fiscal 2024, up 19% year-over-year.

FICO Score

Cloud-native analytics and decision management platform delivering AI-powered capabilities to enable smarter business decisions at scale. Achieved over 30% year-over-year ARR growth in each quarter of fiscal 2024, providing advanced analytics, optimization, and decision automation across industries.

FICO Platform

Advanced decision management software enabling organizations to design, test, and deploy complex decision strategies using business rules, predictive models, and optimization techniques.

Decision Modeler

Comprehensive AI-powered fraud prevention platform for payment fraud, identity fraud, and enterprise fraud detection. Named a category leader by Chartis for five consecutive years, protecting billions of transactions annually for financial institutions, retailers, and enterprises worldwide.

Fraud Detection Solutions

Business rules management system (BRMS) allowing organizations to externalize, manage, and automate business logic and decision rules with high performance and scalability.

Blaze Advisor

Advanced mathematical optimization software using linear and nonlinear algorithms to solve complex business optimization problems across supply chain, resource allocation, and strategic planning.

Xpress Optimization

Next-generation credit score launched in partnership with Plaid in November 2025, incorporating real-time cash flow data from consumer-permissioned banking information to provide more comprehensive creditworthiness assessment, particularly benefiting consumers with limited credit histories.

UltraFICO Score (Enhanced)

FICO announced two major partnerships: a global collaboration with GFT Technologies to deliver AI-driven real-time fraud prevention and risk management for banks and insurers, and a partnership with Plaid to launch an enhanced UltraFICO Score utilizing real-time cash flow data from consumer-permissioned banking information, signaling expansion into advanced analytics and open banking.

FICO Partners with GFT and Plaid for AI-Driven Solutions and Enhanced Credit Scoring

FICO reported exceptional Q3 fiscal 2025 results with revenue increasing 20% to $536.4 million and net income of $181.8 million or $7.40 per share, up from $5.05 per share year-over-year. The Scores segment drove growth with revenue up 34% to $324.3 million, including B2B revenue growth of 42%.

FICO Reports Strong Q3 Fiscal 2025 Results with 20% Revenue Growth

Chartis Research named FICO a category leader in their Enterprise and Payment Fraud Solutions 2025 Quadrant Update, marking the fifth consecutive year of this recognition. FICO achieved leadership positions in three categories: enterprise fraud solutions, payment fraud solutions, and fraud platforms.

FICO Named Category Leader for Enterprise Fraud Solutions for Fifth Consecutive Year

FICO announced a strategic partnership with TransUnion Kenya to introduce new credit risk management solutions in Kenya, including CreditVision Variables and a Kenya-specific FICO Score, aimed at enhancing financial inclusion and supporting lenders in making better credit decisions.

FICO Expands in Kenya Through TransUnion Partnership

FICO was recognized by Forbes as one of America's Best Midsize Employers for the fourth consecutive year, and also received recognition from Newsweek as one of America's Best Workplaces for Diversity, reflecting the company's commitment to employee satisfaction and inclusive workplace culture.

Forbes Names FICO One of America's Best Midsize Employers for Fourth Consecutive Year

FICO announced that its cloud-native FICO Platform achieved Annual Recurring Revenue (ARR) growth exceeding 30% year-over-year in each quarter of fiscal 2024, demonstrating strong customer adoption of AI-powered analytics and decision management solutions.

FICO Platform Achieves 30%+ ARR Growth Throughout Fiscal 2024

U.S. Senator Josh Hawley sent a letter to the Department of Justice's Antitrust Division urging an investigation into FICO for potential anti-competitive practices, highlighting regulatory scrutiny of the company's dominant position in credit scoring.

U.S. Senator Calls for Antitrust Investigation into FICO

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[Stein] There is going to be “significant center movement” in the trade market in coming weeks. Anthony Davis, Domantas Sabonis, Nikola Vucevic, Nic Claxton, Nick Richards, Robert Williams III, Jusuf Nurkic, and Jonathan Isaac are a few names expected to make up the market.

[Speier] The Red Sox primary targets remain fairly consistent: Alex Bregman, Bo Bichette, Ketel Marte, Isaac Paredes, and Brendan Donovan. There are additional alternatives on both the trade and free agent markets, but to date, that group of five occupies the front-burner pursuits.

Fair Isaac Corporation (FICO) – Deep Dive

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FAIR ISAAC CORP

Bill Fair and Earl Isaac founded Fair Isaac Corporation with $800 each, pioneering the use of mathematics and statistics for business decision-making and credit risk assessment.

Company Founded

Fair Isaac introduced Credit Application Scoring Algorithms, the company's first scoring system, revolutionizing how lenders assessed credit applications with objective, data-driven methods.

First Scoring System Launched

Fair Isaac adapted its products for use with minicomputers, enabling fully automated credit applications and expanding accessibility for financial institutions.

Minicomputer Adaptation

Fair Isaac launched its first behavior scoring tools to help credit card companies manage existing cardholders, expanding beyond application scoring to ongoing risk management.

Behavior Scoring Tools Launch

FICO went public, issuing 1,537,500 shares at $9.50 per share, raising capital for growth and product development.

Initial Public Offering

The company debuted its first general-purpose FICO Score, establishing the foundation for what would become the industry standard consumer credit score used by lenders nationwide.

General-Purpose FICO Score Introduced

The company changed its name from Fair Isaac & Company, Inc. to Fair Isaac Corporation, reflecting its evolution and growth.

Company Name Change

Fannie Mae and Freddie Mac began using FICO scores to determine which American consumers qualified for mortgages, cementing FICO as the industry standard and transforming the mortgage lending industry.

Fannie Mae and Freddie Mac Adoption

FICO moved its stock listing from NASDAQ to the New York Stock Exchange, signaling its growth and maturity as a public company.

NYSE Listing

FICO acquired HNC Software, significantly expanding capabilities in fraud detection and neural network technologies, diversifying beyond pure credit scoring.

HNC Software Acquisition

FICO relocated its headquarters from San Rafael, California to Minneapolis, Minnesota as part of strategic expansion.

Headquarters Move to Minneapolis

FICO acquired Adeptra, expanding decision management software capabilities and strengthening its enterprise software portfolio.

Adeptra Acquisition

FICO moved its headquarters to San Jose, California, positioning itself in the heart of Silicon Valley's technology ecosystem.

Headquarters Move to San Jose

FICO opened an office in Bozeman, Montana, which would later become the company's headquarters, supporting growth and talent acquisition.

Bozeman Office Opening

The EU AI Act entered into force on August 1, 2024, establishing requirements for AI systems including credit scoring, positioning FICO to lead in compliant AI-powered decision systems.

EU AI Act Compliance

FICO announced a global partnership with GFT Technologies to deliver AI-driven real-time fraud prevention and risk management for banks and insurers, expanding AI capabilities.

GFT Technologies Partnership for AI Fraud Prevention

FICO partnered with Plaid to launch an enhanced UltraFICO Score utilizing real-time cash flow data from consumer-permissioned banking information, advancing open banking integration.

Plaid Partnership for UltraFICO Score

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