credit-scores
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TransUnion
The quiet third name on your credit report runs a billion-consumer data engine. Here is how a 1968 railcar spinoff became a Tru-branded machine for deciding who gets to borrow, rent and buy.
Experian
Experian built its name by telling lenders who was likely to repay. Now it is trying to turn that privileged view of financial life into a daily consumer utility - and a trust layer for an economy increasingly run by software agents.
Will Lansing
Will Lansing is the CEO of FICO, the analytics software company that invented the credit score - a number that quietly governs whether Americans can buy homes, cars, or start businesses. Since taking the helm in January 2012, he has transformed FICO from a $620M revenue business into a nearly $2B enterprise, steering it through the AI revolution while insisting that credit decisions must remain explainable and transparent. A lawyer by training, a McKinsey veteran by discipline, and an endurance athlete by temperament, Lansing has spent 30+ years running companies across internet media, direct marketing, and private equity before landing at the company whose three-digit score most Americans know by heart.