This Is The Company That Invented Your Credit Score

Fair, Issac And Company (FICO)

Somewhere between “To be or not to be” and “Do you want fries with that?” lie countless billions of decisions that businesses make every day. Fifty years ago, two men set out to find a better way to make those decisions. Fair, Isaac and Company was founded in 1956 by engineer William R. "Bill" Fair and mathematician Earl Judson Isaac. The two met while working at the Stanford Research Institute in Menlo Park, California. Selling its first credit scoring system two years after the company's creation, FICO pitched its system to 50 American lenders. The company debuted its first general-purpose FICO score in 1989. Lenders use the scores to gauge a potential borrower's creditworthiness. 


To celebrate the company’s 50th anniversary and the widespread use of credit scoring that has become the cornerstone of today’s lending process. It also officially announced the change of its name form Fair, Isaac and Company to FICO, the industry-standard name the company invented. 


An award-winning design that captures the feeling of the company from its beginning 50 years before all the way to the present day. It’s designed using archive images and diverse layouts, packaged in a small personal-size perfect-bound keepsake booklet.