| 词条 | FICO |
| 释义 |
| name = Fair Isaac Corporation | trading_name = FICO | logo = FICO_Corporate_Logo,_Blue,_2018.png | logo_size = 200px | type = Public | traded_as = {{Unbulleted list|{{NYSE|FICO}}|S&P 400 component}} | industry = Computer | foundation = 1956 (as Fair, Isaac, and Company) | location_city = San Jose, California | area_served = Worldwide | key_people = William Lansing, CEO[1] Bill Fair, co-founder Earl Isaac, co-founder | revenue ={{increase}}US$932.17 million (2017) | operating_income ={{increase}}US$177.2 million (2017) | profit ={{increase}}US$128.26 million (2017) | assets ={{increase}}US$1.256 billion (2017) | equity ={{decrease}}US$426.54 million (2017) | num_employees = 3,358 (2017) | caption = | products = FICO Score | services = Computer Software | homepage = {{URL|fico.com}} }} FICO (legal name: Fair Isaac Corporation), originally Fair, Isaac and Company, is a data analytics company based in San Jose, California focused on credit scoring services. It was founded by Bill Fair and Earl Isaac in 1956.[2] Its FICO score, a measure of consumer credit risk,[3] has become a fixture of consumer lending in the United States. In 2013, lenders purchased more than 10 billion FICO scores and about 30 million American consumers accessed their scores themselves.[4] HistoryFICO was founded in 1956 as Fair, Isaac and Company by engineer William Fair and mathematician Earl Isaac.[5] The two met while working at the Stanford Research Institute in Menlo Park, California.[6] Selling its first credit scoring system two years after the company's creation,[7] FICO pitched its system to fifty American lenders.[8] FICO went public in 1986 and is traded on the New York Stock Exchange.[5] The company debuted its first general-purpose FICO score in 1989.[3] FICO scores are based on credit reports and "base" FICO scores range from 300 to 850,[3] while industry-specific scores range from 250 to 900.[9] Lenders use the scores to gauge a potential borrower's creditworthiness.[10] Fannie Mae and Freddie Mac first began using FICO scores to help determine which American consumers qualified for mortgages bought and sold by the companies in 1995.[11]Name changesOriginally called Fair, Isaac and Company (hence the abbreviation FICO), this name was changed to Fair Isaac Corporation in 2003.[7] The company renamed itself FICO in 2009.[12] Headquarters movesOriginally based in San Rafael, California, FICO moved its headquarters to Minneapolis, Minnesota, in 2004.[13] In 2013, it moved back to California and is currently based in San Jose, California.[14] Acquisitions
OperationsFICO is headquartered in San Jose, California, and it has additional U.S. locations in Roseville, Minnesota; San Diego; San Rafael, California; Fairfax, Virginia; New York City and Austin, Texas.[36] The company has international locations in Australia, Brazil, Canada, China, Germany, India, Italy, Japan, Korea, Lithuania, Poland, Malaysia, the Philippines, Russia, Singapore, South Africa, Spain, Taiwan, Thailand, Turkey and the United Kingdom.[36] FICO score{{Main|FICO score}}A measure of credit risk, FICO scores are available through all of the major consumer reporting agencies in the United States: Equifax, Experian, and TransUnion.[37] FICO scores are also offered in other markets, including Mexico and Canada,[38] as well as through the fourth U.S. credit reporting bureau, PRBC.[39] See also
References1. ^{{cite web | url = http://www.twincities.com/ci_20481216/fico-shuffles-executive-ranks-under-new-ceo | title = FICO shuffles executive ranks under new CEO | date=25 April 2012 | accessdate = 21 October 2014 | publisher = Twin Cities Business}} 2. ^{{cite web|url=https://finance.yahoo.com/news/fico-became-credit-score-100000037.html |title=How FICO became 'the' credit score |publisher=finance.yahoo.com |date=2013-12-12 |accessdate=2018-08-25}} 3. ^1 2 {{cite web | url = http://bucks.blogs.nytimes.com/2012/05/10/is-that-credit-score-a-fico-or-a-fico-8/ | title = Is That Credit Score a FICO, or a FICO 8? | author = Ann Carrns | date=10 May 2012 | accessdate=21 October 2014 | publisher = New York Times}} 4. ^{{cite web | url = http://www.nationalmortgagenews.com/news/technology/new-fico-scoring-model-coming-this-summer-1041282-1.html | title = New FICO Scoring Model Coming This Summer | author = Evan Nemeroff | date=7 March 2014 | accessdate = 21 October 2014 | publisher = National Mortgage News}} 5. ^1 {{cite web|url=http://www.businessweek.com/stories/2008-02-06/credit-scores-not-so-magic-numbers|title=Credit Scores: Not-So-Magic Numbers|date=2008-02-06|author=Dean Foust|author2=Aaron Pressman|accessdate=2014-11-02}} 6. ^{{cite web|url=http://www.startribune.com/business/185665572.html|title=Fair Isaac moving its HQ back to California|date=2013-01-04|author=Jennifer Bjorhus|accessdate=2014-11-02}} 7. ^1 History FICO Official Site 8. ^{{cite web|url=http://www.marketplace.org/topics/your-money/how-i-learned-stop-worrying/brief-history-credit-score|title=A brief history of the credit score|date=2014-04-22|author=Adriene Hill|accessdate=2014-11-02}} 9. ^{{cite web |url=http://www.myfico.com/credit-education/credit-report-credit-score-articles/ |title=What is a FICO score? |website=MyFICO.com official website |publisher=Fair Isaac Corporation |accessdate=2016-11-11}} 10. ^{{cite web|url=http://bucks.blogs.nytimes.com/2012/05/03/report-finds-improvement-in-credit-scores/|title=Report Finds Improvement in Credit Scores|date=2012-05-03|author=Ann Carrns|accessdate=2014-11-02}} 11. ^{{cite web|url=http://www.benbest.com/business/credit.html|title=North American Credit Scoring & Reporting |publisher=benbest.com |date=2009-12-04 |accessdate=2015-05-13}} 12. ^FICO Unveils New Ticker Symbol on New York Stock Exchange {{webarchive |url=https://web.archive.org/web/20120317072546/http://www.fico.com/en/Company/News/Pages/08-10-2009.aspx |date=March 17, 2012 }} FICO Official Site 13. ^{{cite web | url = http://www.sfgate.com/business/article/Fair-Isaac-moving-its-hub-Most-company-2760210.php | title = Fair Isaac moving its hub / Most company executives already set up in Minnesota | author = Dan Fost | date=11 May 2004 | accessdate = 21 October 2014 | publisher = SFGate}} 14. ^{{cite web | url = http://www.mercurynews.com/ci_22307524/fico-moves-headquarters-san-jose | title = FICO moves headquarters to San Jose | author = Pete Carey | date = 4 January 2013 | accessdate = 21 October 2014 | publisher = Mercury News}} 15. ^{{cite web|url=http://www.twincities.com/ci_20918752/fico-consolidating-operations-roseville|title=FICO consolidating operations in Roseville|publisher=twincities.com|date=2012-06-22|accessdate=2014-10-30}} 16. ^{{cite web|url=http://www.contenthouse.com/rmt/newspg/radrscp/fi-mergr.htm|title=RMT Merges with Fair, Isaac|date=July 1997|accessdate=2014-10-30}} 17. ^{{cite web|url=http://www.buy-sell-econtent.com/2011/Speakers/BruceDAmbrosio.aspx |title=Bruce D D'Ambrosio |publisher=buy-sell-econtent.com |accessdate=2015-05-14 |deadurl=yes |archiveurl=https://web.archive.org/web/20160304185359/http://www.buy-sell-econtent.com/2011/Speakers/BruceDAmbrosio.aspx |archivedate=2016-03-04 |df= }} 18. ^{{cite web|url=http://www.bizjournals.com/sanjose/stories/2001/12/10/daily24.html|title=Fair, Isaac to acquire Nykamp Consulting|date=2001-12-12|accessdate=2014-10-30}} 19. ^{{cite web|url=http://www.sfgate.com/business/article/Fair-Isaac-merging-with-HNC-Software-2844440.php|title=Fair Isaac merging with HNC Software|date=2002-04-30}} 20. ^{{cite web|url=http://www.bizjournals.com/denver/stories/2003/07/28/daily7.html|title=Narex sold for $10M|date=2003-07-28|accessdate=2014-10-30}} 21. ^{{cite web|url=http://articles.latimes.com/2003/sep/19/business/fi-rup19.6|title=Fair Isaac Acquires Diversified HealthCare|date=2003-09-19|accessdate=2014-10-30}} 22. ^{{cite web|url=http://www.bizjournals.com/charlotte/stories/2003/10/06/daily7.html|title=California firm buys Seurat|date=2003-10-06|accessdate=2014-10-30}} 23. ^{{cite web|url=http://www.stockmarketwire.com/article/345520/Fair-Issac-offers-166m-for-London-Bridge-Software.html|title=Fair Issac offers $166m for London Bridge Software|date=2004-04-26}} 24. ^{{cite web|url=http://www.information-management.com/news/1010825-1.html|title=Fair Isaac and Braun Consulting Announce Acquisition Agreement|date=2004-09-24|accessdate=2014-10-30}} 25. ^{{cite web|url=http://www.information-management.com/news/1038322-1.html|title=Fair Isaac Acquires RulesPower Technology to Advance Business Rules Capabilities|date=2005-09-28|accessdate=2014-10-30}} 26. ^{{cite web|url=https://www.bloomberg.com/apps/news?pid=newsarchive&sid=aB0dtBZx6z.k|title=Fair Isaac Acquires Dash Optimization, Bringing Increased Power|accessdate=2014-10-30}} 27. ^{{cite web|url=http://www.denverpost.com/ci_20582831/denver-based-entiera-acquired-by-fico|title=Denver-based Entiera acquired by FICO|author=Howard Pankratz|date=2012-05-09|accessdate=2014-10-30}} 28. ^{{cite web | url=https://finance.yahoo.com/news/fico-completes-115m-acquisition-adeptra-175112495.html | title=FICO completes $115M acquisition of Adeptra | publisher=Yahoo! | work=finance.yahoo.com | date=September 10, 2012 | accessdate=4 November 2014}} 29. ^{{cite web|url=http://www.bizjournals.com/twincities/news/2012/11/26/fico-buys-cr-software.html|title=FICO buys collections and receivables software company|date=2012-11-26|author=Ed Stych|accessdate=2014-10-30}} 30. ^{{cite web|url=http://www.bizjournals.com/austin/blog/abje_news/2013/04/infoglide-software-acquired-by-credit.html|title=Infoglide Software acquired by credit score giant FICO|date=2013-04-04|accessdate=2014-10-30}} 31. ^{{cite web|url=http://www.nasdaq.com/article/fico-set-to-acquire-infocentricity-analyst-blog-cm335560|title=FICO Set to Acquire InfoCentricity|date=2014-03-14|accessdate=2014-10-30}} 32. ^{{cite web|url=http://www.marketwatch.com/story/fico-adds-big-data-analytics-for-hadoop-to-fico-analytic-cloud-2014-04-16|title=FICO Adds Big Data Analytics for Hadoop to FICO Analytic Cloud|date=2014-05-16|accessdate=2014-10-30}} 33. ^{{cite web|url=http://www.fico.com/en/FICO-acquires-TONBELLER|title=FICO Acquires TONBELLER |accessdate=2015-05-21}} 34. ^{{cite web|url=http://www.fico.com/en/newsroom/fico-will-offer-enterprise-security-score-for-organizations-06-14-2016|title=FICO Will Offer Enterprise Security Score for Organizations|accessdate=2016-11-02}} 35. ^{{cite web|url=https://www.fico.com/en/newsroom/fico-acquires-goon-to-advance-growth-in-brazil|title=FICO Acquires GoOn to Advance Growth in Brazil|accessdate=2016-11-02}} 36. ^1 {{cite web|url=http://www.fico.com/en/about-us/locations/|title=Office Locations|accessdate=2014-10-30}} 37. ^Credit Reporting Agencies FICO Official Site 38. ^{{Cite web |url=http://www.fico.com/en/products/fico-score-international-markets |title=FICO® Score for International Markets |year=2017 |website=fico.com |publisher=FICO}} 39. ^Fair Isaac and PRBC Team Up to Enhance Credit Risk Tools Used by Mortgage Industry FICO Official Site External links
12 : Business intelligence companies|Business software companies|Companies listed on the New York Stock Exchange|Data mining and machine learning software|Data visualization software|Financial services companies based in California|Financial technology companies|Multinational companies headquartered in the United States|Software companies based in the San Francisco Bay Area|Financial services companies established in 1956|Credit scoring|1956 establishments in California |
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