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FICO is a leading provider of credit scoring, decision management, fraud detection and credit risk score services. View the company milestones and learn more about FICO’s credit management services and business intelligence solutions.








  • Releases FICO® Debt Manager™ 7 and FICO® Falcon® Fraud Manager 6, the first products built on FICO’s new Decision Management architecture.
  • Introduces breakthrough Decision Simulator module for FICO® Blaze Advisor® business rules management system, allowing comparison of alternative decisions before implementation.
  • Rises to #19 in global ranking of top financial technology providers, the FinTech 100.
  • Creates the FICO Sustainable Enterprise Initiative to reduce carbon footprint, and joins The Green Grid.
  • Creates Decision Management community for peer-to-peer exchanges of information between clients, and launches 90-day trial of FICO® Blaze Advisor® system.
  • Launches Fraud Alert Network Forum for fraud professionals.
  • Launches industry-leading FICO® score in new markets, including Russia and India.
  • Receives the Innovative Implementation Award from The Association for Co-Operative Operations Research and Development (ACORD), the worldwide insurance industry standards body.
  • FICO® Blaze Advisor® system certified as the Best Business Rules Management System by Yphise, an independent ISO 9001:2000-certified research company.
  • Enters partnership with Equifax to accelerate development and delivery of new analytic solutions.
  • Partners with Memento to help banks fight internal fraud.
  • Expands global alliance with IBM to deliver Decision Management applications.
  • Acquires Dash Optimization, which markets and develops Xpress-MP, the world’s leading software product for modeling and optmization.


  • Partners with SCHUFA to provide analytics-powered financial services solutions in Germany.
  • Allies with Kowabunga to provide click fraud protection.
  • Announces development of new FICO® score with increased predictive power.
  • Ranked as revenue leader in Business Rules Management Systems by IDC (Source: Worldwide Business Rules Management Systems 2007-2011 Forecast and 2006 Vendor Shares, Doc # 208989, October 2007).
  • Ranked as revenue leader in Services Operations Analytic Application Software by IDC (Source: Worldwide Supply Chain, Services Operations, and Workforce Analytic Applications 2006 Vendor Shares, Doc # 208116, August 2007).
  • Ranks among top 25 financial technology leaders in 2007 FinTech 100.
  • 100 billionth FICO® score sold, marking milestone for world’s leading credit bureau score and the standard measure of U.S. consumer credit risk.
  • Joins Microsoft Business Process Alliance.
  • Dr. Mark N. Greene becomes CEO of FICO.
  • Opens office in Beijing, China.


  • FICO celebrates 50 years in business.
  • Teams with the Irish Credit Bureau to introduce Global FICO® score to lenders in Ireland.
  • Announces version 3.5 of its Model Builder for Predictive Analytics platform with innovative Data Spiders technology to help businesses extract the most predictive, actionable insights from transaction data.
  • Leading analyst firm IDC recognizes FICO as the worldwide revenue leader in the Business Rules Management Systems (BRMS) software market (“Worldwide Business Rules Management Systems Software 2006-2010 Forecast and 2005 Vendor Shares,” IDC #203627, September 2006).
  • Introduces customer-centric restructuring initiative to accelerate adoption of EDM technology and business growth across industries.
  • Introduced Falcon One™ for Online Access, a real-time, multi-factor authentication solution that uses industry-leading fraud analytics to provide maximum online fraud detection with minimal customer impact.
  • Enters alliance with European payment card processor SiNSYS to enhance account management and fraud detection capabilities for billions of international debit and credit card transactions.
  • Integrates Blaze Advisor™ business rules management technology into the HP Open Bank architecture, bringing Enterprise Decision Management to multi-channel banking.
  • Recognized by Forrester Research, Inc. as the “Deepest Business Rules Platform.”


  • Positioned as Leader in business rules platforms by industry analyst Forrester Research, Inc.
  • Recognized by industry analyst Gartner, Inc. in the Leaders Quadrant of the 2005 Magic Quadrant for Basel II Risk Management Application Software Report.
  • Acquires RulesPower, Inc., a provider of high-performance business rules management systems to complement and advance the capabilities of FICO’s Blaze Advisor™ rules management technology.
  • Partnered with FileNet Corporation to integrate FICO’s Blaze Advisor™ software with the award-winning FileNet Business Process Manager suite.
  • Recognized as the 2005 North America Oracle Titan Partner of the Year Award in the Database category for excellence in delivering its Network Assurance Analytics solution to telecommunications service providers.
  • Ranked by industry analyst IDC as #1 in Worldwide Analytic Applications Revenue (Source: IDC, Worldwide Business Analytics Software 2004 Vendor Shares, July 2005), and #4 in Worldwide Marketing Automation Applications Revenue (IDC, Worldwide Marketing Automation Software 2004 Vendor Shares, August 2005)
  • Announces new partnership with HP to deliver high-value analytic solutions through an open HP technology infrastructure for an improved customer experience.
  • Announces 10 millionth score sold to U.S. consumers through myFICO.com and its partners.
  • Recognized by CMP LLC Intelligent Enterprise magazine as one of the 12 most influential technology companies of 2005 for its industry-leading business rules management technology.
  • Positioned in the Leaders Quadrant of the Gartner, Inc., Magic Quadrant for Business Rules Engines.


  • Announces a global strategic alliance with Teradata, the industry leader in enterprise data warehousing.
  • Launches Global FICO® score, bringing proven FICO scoring technology to markets worldwide.
  • Acquires Braun Consulting, Inc., a Chicago-based marketing strategy and technology consulting firm.
  • Announces TRIAD™ adaptive control system version 8.0, the latest release of its industry-leading portfolio management solution, which combines account and customer strategy management capabilities onto a single platform.
  • Launches Falcon™ ID solution, an enhanced identity fraud detection solution using predictive analytics and multiple sources of identity-validating data.
  • Launches the FICO® Expansion™ score for the underserved credit market, to help lenders extend credit to millions of people who do not have credit bureau histories to establish a credit risk score – a breakthrough in credit decisioning.
  • Releases Enterprise Decision Manager™ system, an integrated software product for the design and deployment of decision management applications
  • Acquires London Bridge Software Holdings plc, a global provider of intelligent business software and e-Commerce solutions, including customer and enterprise management software, banking software, credit management software, collections and recovery software and enterprise-wide mortgage lending software.
  • Listed among the Fastest Growing 100 Tech Companies by Business 2.0
  • Moves corporate headquarters to Minneapolis, MN, from San Rafael, CA.
  • Hosts InterACT Prague conference, first FICO conference in Eastern Europe.
  • Forms global strategic alliance with IBM.


  • Acquires Seurat Company, a Boulder, Colorado-based provider of solutions and services that help companies more effectively target, acquire and retain customers through creative marketing.
  • Makes proprietary predictive modeling software available as Model Builder for Predictive Analytics.
  • Launches Strategy Science Institute, an exclusive educational forum for users of its Strategy Science technology, attracting nearly 60 attendees representing 12 leading financial services institutions.
  • Acquires Diversified Healthcare Services, Inc., a provider of medical bill review products and services for the workers’ compensation insurance industry, based in San Ramon, California.
  • Business 2.0 names FICO number 19 of 100 fastest growing technology companies in 2003.
  • Acquires NAREX Inc., a leader in analytic solutions for collections and recovery based in Golden, Colorado.
  • Fair, Isaac and Company is renamed Fair Isaac Corporation.


  • Merges with San Diego, Calif.-based HNC Software Inc., a leading provider of high-end analytic and decision management software (August 5).
  • Forbes names FICO one of the Top 200 US Small Companies for the tenth time in eleven years.
  • BusinessWeek names FICO among the top 200 IT companies globally.
  • Becomes a Siebel Alliance Software Partner; successfully validates integration of its market-leading decision engine technology with Siebel 7 eBusiness applications software.
  • Partners with Kredit Kayit Bürosu A.S., Turkey’s only credit bureau, to provide Turkish lenders with access to FICO scores.
  • Enhances myFICO® service to offer consumers FICO Score Simulator and free interest rate information based on their individual FICO score.
  • Develops a new Web-based credit scoring service for Japanese small business credit grantors through partnership with The Japan Research Institute.


  • Acquires Nykamp Consulting Group, Inc., a leader in CRM strategy and implementation services.
  • Introduces FICO SmartLinksm customer data integration service, powered by Equifax, providing the most comprehensive, individualized customer and household view of a company’s customer and prospect database.
  • NextGen FICO® scores made available at all three major US credit reporting agencies — Pinnaclesm at Equifax, PRECISIONsm at TransUnion and Experian/FICO Advanced Risk Score at Experian.
  • Announces Strategy Science technology with a “third decision revolution” that brings the same precision to strategy development that the company introduced to customer behavior assessment via predictive modeling. Releases first Strategy Science applications, for card management and marketing.
  • Partners with Equifax to launch Score Power™, the only online credit score delivery service giving consumers full access to FICO® credit scores (www.myfico.com).
  • Announces next generation decision engine technology with FICO Decision System 3.0 for businesses to quickly design and implement analytically driven decision engines.
  • Partners with CallCredit, a new consumer credit reference agency in the UK, to be first to deliver consumer credit scores directly over the Web to UK lenders.


  • Launches LiquidCredit® service, enabling instant credit acquisition decisions over the Internet.
  • Launches Web-based FICO® Guide service, giving lenders and brokers a personalized explanation of the factors considred in FICO credit bureau scores.
  • Partners with Fujitsu FIP to launch Japan’s first Web-based credit decisioning service.
  • Expands availability of NextGen FICO scores through an agreement with TransUnion LLC.
  • Launches insurance industry’s first “e-decisioning” solution, ClickPremium, giving insurers real-time decisions at all point-of-sale opportunities.


  • FICO MarketSmart Decision System® solution, a Web-enabled marketing solution for the financial services, retail and telecommunication industries, debuts. (1999)
  • Thomas G. Grudnowski becomes FICO’s president and CEO. (1999)
  • NetEarnings and FICO launch the first small business online loan service, LoanWise.com™. (1999)
  • NetEarnings and FICO launch the first small business online trade credit evaluation service, CreditFYI.com. (1998)
  • Acquires Prevision, a technology firm expert in decision analysis and strategy software
  • Acquires enterprise-wide risk management leader Risk Management Technologies, founded in California in 1989. (1997)
  • The American Bankers Association honors Bill Fair and Earl Isaac with Distinguished Service Award for their pioneering work in credit scoring. (1997)
  • Forms new company in Germany, FICO/INFORMA, with two leading German firms — the Strübel Group and Schober Group Entities. (1996)
  • TRIAD™ adaptive control system goes live at U.K. credit card processor First Data Resources Ltd. (1996)
  • Acquires consulting expert Credit & Risk Management Associates, founded in Maryland in 1989. (1996)
  • Stock moves from NASDAQ to NYSE, where it trades under the symbol FIC. (1996)
  • Fannie Mae and Freddie Mac recommend use of FICO scores for evaluating US mortgage loans. (1995)
  • FICO and Robert Morris Associates develop Small Business Scoring Service, offering small business lenders automated application processing and the industry’s first pooled-data scoring models. (1995)
  • Introduces the first insurance bureau score for the insurance industry. (1993)
  • Acquires direct marketing company DynaMark, Inc., founded in Minnesota in 1985. (1992)
  • Opens European headquarters in Birmingham, UK. (1992)
  • Credit card processor TSYS begins using FICO’s TRIAD™ adaptive control system. (1991)
  • Larry Rosenberger becomes president and CEO, succeeding founder Bill Fair. (1991)
  • FICO credit bureau risk scores made available at all three major US credit reporting agencies — BEACONsm at Equifax, EMPIRICA® at Trans Union, and the Experian/FICO model at Experian. (1991)


  • First general-purpose FICO score debuts–BEACON at Equifax. (1989)
  • FICO issues stock to the public (NASDAQ: FICI, went to NYSE: FIC in 1996). (1987)
  • Paul Revere Life Insurance installs USER™ insurance scoring system, the first decisioning system developed specifically for strategic underwriting of disability income insurance policies. (1987)
  • Credit card processor First Data Resources begins using FICO’s adaptive control technology. (1987)
  • Develops first automated credit account management systems. (1986)
  • Opens first European office, in Monaco. (1982)
  • Introduces first FICO credit bureau risk score. (1981)


  • Implements the first credit scoring system at a European bank. (1977)
  • First FICO Users Conference on Credit Scoring draws 100 people to Napa. (1976)
  • Develops first behavior scoring system to predict credit risk of existing customers, for Wells Fargo. (1975)
  • FICO operators first begin entering coded information directly through computer terminals. (1975)
  • Introduces the commercial development of scoring models into Europe. (1974)
  • ASAP™, the first automated application-processing system, debuts at Wells Fargo. (1972)
  • Delivers the first scoring system for a bank credit card to Connecticut Bank and Trust. (1970)


  • Builds first credit scoring system for Montgomery Ward, beginning long-term association with the company. (1963)
  • FICO moves headquarters from San Francisco’s Financial District to San Rafael, California. (1961)


  • FICO builds its first credit scoring system for American Investments. (1958)
  • FICO sends letter to the 50 biggest American credit grantors, asking for the opportunity to explain a new concept: credit scoring. Only one replies. (1958)
  • Conrad Hilton hires FICO to design, program and install a complete billing system for one of the first credit cards, Carte Blanche. (1957)
  • Engineer Bill Fair and mathematician Earl Isaac found FICO — with an initial investment of $400 each — on the principle that data, used intelligently, can improve business decisions. (1956)