# FICO

> FICO (Fair Isaac Corporation) is the analytics-software company behind the FICO Score, the credit-risk measure used in roughly 90% of top U.S. lending decisions. Founded in 1956 by engineer Bill Fair and mathematician Earl Isaac, the company applies predictive analytics and AI to help banks, lenders, insurers and other enterprises make faster, data-driven decisions. Beyond the score, FICO sells the cloud-based FICO Platform and applications such as Falcon Fraud Manager and Blaze Advisor. Headquartered in Bozeman, Montana and traded on the NYSE as FICO, the lean, ~3,800-person firm reported record fiscal 2025 revenue of about $2.0 billion.

- **Founded:** 1956
- **Headquarters:** Bozeman, Montana, United States
- **Founders:** William R. "Bill" Fair (Co-founder (engineer)), Earl J. Isaac (Co-founder (mathematician))
- **Team size:** ~3,800 employees
- **Products:** FICO Score, FICO Platform, FICO Falcon Fraud Manager, FICO Blaze Advisor / Decision Modeler, myFICO
- **Notable:** Named a Leader in the 2026 Gartner Magic Quadrant for Decision Intelligence Platforms, FICO Score used in roughly 90% of top U.S. lending decisions, Record fiscal 2025 revenue of ~$2.0 billion with net income up ~27%

## Products & services

- **FICO Score** — The flagship consumer credit-risk score (300-850) used in roughly 90% of top U.S. lending decisions, with multiple versions including FICO 8, FICO 10 and 10T.
- **FICO Platform** — Cloud-based applied-intelligence and decision-management platform that unifies data, analytics and workflow so enterprises can build and deploy real-time decisions; runs on AWS.
- **FICO Falcon Fraud Manager** — AI-based payment-card and transaction fraud-detection system that protects a large share of the world's card accounts.
- **FICO Blaze Advisor / Decision Modeler** — Business rules management system for automating and governing complex decisioning, now delivered on FICO Platform.
- **myFICO** — Consumer-facing service for accessing FICO Scores and credit-education tools directly.

## Achievements

- Named a Leader in the 2026 Gartner Magic Quadrant for Decision Intelligence Platforms
- FICO Score used in roughly 90% of top U.S. lending decisions
- Record fiscal 2025 revenue of ~$2.0 billion with net income up ~27%
- Named to Forbes' America's Best Midsize Employers for multiple consecutive years
- Recognized on Newsweek's America's Best Workplaces for Diversity

## Latest updates

- **2025-11** — Reports that the FHFA was nearing a deal to allow FICO's newer 10T model for GSE-backed mortgages.
- **2025-10** — FICO launched a direct-license program letting resellers generate scores, alongside new 2026 mortgage-score pricing.
- **2025-07** — FHFA opened the GSE mortgage market to VantageScore 4.0 alongside Classic FICO; CEO Will Lansing publicly defended FICO's score pricing on CNBC.
- **2025-11** — FICO reported record fiscal 2025 results: revenue ~$2.0B (up 16%) and net income ~$652M (up 27%).

## Links

- Website: https://www.fico.com
- LinkedIn: https://www.linkedin.com/company/fico
- Twitter/X: https://twitter.com/FICO
- YouTube: https://www.youtube.com/user/FICOvideo
- Instagram: https://www.instagram.com/fico_corp/
- Facebook: https://www.facebook.com/FICODecisions/

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Profile page: https://yespress.io/fico
Published by YesPress — https://yespress.io
Last updated: 2026-07-15