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IT Product Company

FICO

Analytics firm behind the FICO Score and a decision platform for lenders and insurers

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  • Founded 1984
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About FICO

FICO is an American analytics company whose software helps organisations decide how to treat customers, from approving credit to spotting fraud. It is widely known for the FICO Score credit scoring model. Its clients work in financial services, auto lending, insurance, telecommunications and other sectors.

What FICO offers

  • FICO Platform: a decision platform for setting and changing policy and strategy in areas such as underwriting and fraud protection.
  • FICO Score: credit scoring models used by lenders, including FICO Score 10T for the mortgage market.
  • AI-driven decisioning: predictive analytics used to speed up approvals and assess applicants more accurately.
  • Fraud protection: tools for detecting and preventing fraud.

Clients

Banks, lenders, insurers and payment networks. Quoted clients include Mercury Insurance, Mibanco and PULSE, alongside a digital bank.

Key facts

  • Based in: United States
  • Recognition: Named a Leader by Gartner, Forrester and IDC in decision intelligence and AI decisioning assessments
  • Sectors: Financial services, auto lending, insurance, telecoms

Profile written by TrustList from the business's own published information, Sep 2026.

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