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Experian is a global credit reporting agency using data analytics and technology for credit risk modeling, fraud prevention, decisioning automation and consumer financial health tools.
FICO
FICO is an analytics software company providing predictive analytics, AI, and decision-management tools - most notably the FICO Score and fraud detection platforms - to businesses in banking, insurance, and other sectors across more than 90 countries.
FICO, founded in 1956, is a analytics software company that provides decision-management technology to businesses. Its core work centres on predictive analytics, data science, artificial intelligence, and machine learning, applied across the customer lifecycle in sectors including banking, insurance, healthcare, retail, telecommunications, and government.
The company is perhaps best known for its FICO Scores, which are used by 90% of top US lenders to assess credit risk. Its Fraud Detection Platform powers real-time fraud detection for approximately 4 billion payment cards worldwide. FICO also offers enterprise optimization solutions across multiple industries.
FICO operates in more than 90 countries. The firm is publicly traded and headquartered in San Jose, California.
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