FICO, 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. Its FICO score, a measure of consumer credit risk, 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.
Impaired Credit
A credit rating or FICO score that has recently been reduced. A company or individual may have impaired credit if its financial situation changes in such a way that there is a greater likelihood of defaulting on a bond or business or personal loan. Impaired credit makes it more difficult for a company or person to borrow more funds
A credit rating or FICO score that has recently been reduced. A company or individual may have impaired credit if its financial situation changes in such a way that there is a greater likelihood of defaulting on a bond or business or personal loan. Impaired credit makes it more difficult for a company or person to borrow more funds
Credit Standards
The set of standards that a company or bank uses to determine whether to extend a loan or line of credit to an applicant. Credit standards may include having a certain FICO score, recent good credit history, and a certain income.
The set of standards that a company or bank uses to determine whether to extend a loan or line of credit to an applicant. Credit standards may include having a certain FICO score, recent good credit history, and a certain income.
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