Fair Isaac Corporation (FICO)
Corporate brand
UnclaimedFair Isaac Corporation, known as FICO, is a U.S. analytics and technology company best known for the FICO Score and software used in credit risk management and decision-making.
Last updated October 14, 2026
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Overview
Fair Isaac Corporation, commonly known as FICO, is a U.S. analytics and technology company whose best-known offering is the FICO Score. Founded in 1956 by engineer Bill Fair and mathematician Earl Isaac, the company developed quantitative methods to help businesses make decisions from data. Its work has since grown from early decision-science services into a portfolio of scoring products, analytics, and software. FICO Scores are used in consumer credit contexts to summarize information in credit reports as an indicator of credit risk. Lenders and other businesses may use scores as one input in evaluating applicants and managing accounts; a score is not itself a loan, credit report, or guarantee of approval. FICO also offers industry-specific and specialized scores, as well as products and services for businesses that need to develop, deploy, monitor, and improve decision strategies. The company’s business includes decision-management and analytics software, including its FICO Platform, which supports the design and operation of data-driven business decisions. Its customers span financial services and other sectors that manage risk, customer relationships, fraud, or operational decisions. FICO’s products are marketed internationally, although the consumer FICO Score is particularly prominent in the United States credit market. FICO is headquartered in Bozeman, Montana, and is a publicly traded company listed on the New York Stock Exchange under the ticker FICO. The company operates independently rather than as a consumer brand owned by a larger corporate parent. Its market identity rests on the combination of a widely recognized credit-scoring name and business-facing decision software and analytics.
History
Fair Isaac Corporation traces its origins to 1956, when engineer Bill Fair and mathematician Earl Isaac founded a company focused on applying quantitative analysis to business decisions. The founders’ work helped establish the company’s long-running emphasis on using data and models to support practical decisions. The business later became widely known as Fair Isaac and, increasingly, by the shortened name FICO. A defining development was the application of scoring models to consumer credit. FICO’s credit scores became a familiar tool in the U.S. lending ecosystem, where lenders use credit information and scoring as part of their assessment of credit risk. The company’s identity consequently became closely associated with the FICO Score. Over time, the score family expanded to include variations designed for particular industries and uses, while the company continued to distinguish a score from the wider credit report and from a lender’s final decision. FICO also developed beyond scoring into analytics and decision-management technology for organizations. Its offerings support the development and application of data-driven strategies in areas such as risk management, fraud, and customer or account decisions. The FICO Platform represents this enterprise-software dimension of the company, complementing rather than replacing the better-known scoring products. The company is headquartered in Bozeman, Montana, and is publicly traded on the New York Stock Exchange under the ticker FICO. It serves customers in the United States and international markets. In the present market, FICO combines a recognizable consumer-facing credit-score name with business-facing analytics and software. Its history is therefore shaped by two connected lines of activity: building scoring tools that became embedded in credit decision processes, and supplying technology that helps organizations operationalize analytics and decisions.
- 1956
Company founded by Bill Fair and Earl Isaac
FICO credit scores became a prominent part of U.S. consumer lending and credit-risk assessment
Company expanded its focus to enterprise analytics and decision-management software
Products and positioning
A data analytics and decision-technology company distinguished by its widely recognized credit scores and enterprise software for risk, fraud, and business decision management.
FICO Score
A family of credit scores used by lenders and other businesses as one input in assessing credit risk.
FICO Platform
A platform for developing and operating analytics-driven business decision solutions.
Recent events
Reported
FICO announces 15% workforce cut and management restructuring[3]
Fair Isaac Corp. (FICO), via a filing with the SEC on Tuesday, said it will cut 15% of its workforce and streamline operations by reducing management layers, simplifying its operating structure, optimizing processes and tools, and integrating AI-driven product development. The workforce reduction began this week and is expected to be completed by the end of the third quarter of fiscal year 2027, with an estimated $27 million in pretax charges in the fourth quarter of 2026 tied to severance and related costs. The company had 3,811 employees at the end of September 2025.
Weekdays and relative dates follow the original report; their exact calendar dates have not been verified.
Reported
FHFA moves Fannie Mae and Freddie Mac to one mortgage pricing grid, with VantageScore joining the FICO Classic pricing grid[4]
Federal Housing Finance Agency director Bill Pulte announced changes to mortgage pricing, moving Fannie Mae and Freddie Mac from two separate pricing grids to one pricing grid, with VantageScore joining the existing FICO Classic pricing grid. Fair Isaac shares plunged 18% in premarket trading following the announcement.
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