FICO combines trusted advice, world-class analytics, and innovative applications to help customers make smarter decisions. We pioneered credit-risk scoring and introduced the FICO score 25 years ago. We help millions of people manage their credit health through .

Through, consumers use the company's FICO scores (calculated by national credit reporting agencies Experian, Equifax and TransUnion), the standard measure of credit risk, to manage their financial health. FICO also provides educational information about credit scores to consumers, educators and advocacy organizations.