FICO

Programming Note: This is the final part of my FICO Series. Last month, I announced that I would start publishing my Deep Dives as a series of posts rather than one single post. Having now tried that format with FICO, I’ll be reverting back to single posts for future

This is part-3 of my FICO series. In Part 1, I traced the company’s history through the 2018-2025 pricing-power era and pushed back on the popular narrative that FICO’s monopoly was simply gifted to it by the 1995 GSE decision. In Part 2, I went

Programming Note: This is part-2 of my FICO series. In Part 1, I covered FICO’s history through the 2018-2025 pricing-power era, where the score business finally started capturing the rents it had been giving away to the credit bureaus for three decades. In today’s post,

Programming note: As I have mentioned earlier, I am making some changes in how I publish my Deep Dives. Instead of publishing one big Deep Dive, I will do a series of posts on a particular company over multiple weeks. Today I am publishing first of such multiple posts on