Trusted & Independent
FICO is the independent standard in credit scoring, trusted by lenders and securitization investors for decades.
Why independence matters
FICO is an independent data analytics company. We are not a credit bureau, and we are not owned by the three major credit bureaus -- Equifax, Experian and TransUnion. We also don’t compile consumers’ credit data.
Founded in 1956, FICO introduced analytic solutions such as credit scoring that have made credit more widely available, not just in the United States but around the world.
FICO’s role in the lending system is to harness the credit bureaus’ data to produce FICO® Scores, which are predictive of a consumer’s credit risk. Today, FICO is also responsibly using new, alternative data sources outside of the credit bureaus to expand access to credit for more and more Americans.
That’s why the FICO Score is the industry standard for credit scores. Because it is trusted to be predictive, independent and reliable.
Learn more about FICO
FICO (NYSE: FICO) is a leading analytics software company, helping businesses in 90+ countries make better decisions that drive higher levels of growth, profitability and customer satisfaction.