FICO

Fair Isaac Corp. is a leading analytics software company best known for creating the FICO credit score used by lenders to assess consumer creditworthiness. The company provides predictive analytics and decision management solutions across financial services, healthcare, telecommunications, and retail industries. FICO's software helps organizations make billions of automated decisions annually regarding credit, fraud detection, and customer engagement. The FICO Score has become the standard credit scoring model in the United States and is used in over 90% of lending decisions. Beyond consumer credit, FICO offers optimization, analytics, and decision management platforms for complex business problems. The company generates recurring revenue through software licensing, cloud-based solutions, and scoring services.