Fair Isaac Corporation (FICO) commands an impenetrable monopoly in credit scoring, with 89% EBIT margins in its core segment. Despite a 65x TTM valuation, FICO's direct licensing model and minimal ...

Finding a personal loan can be more difficult if you have poor credit.

Ahead of the Christmas spending peak, the October 2025 credit card data from global analytics software leader FICO shows a decline in credit card spending compared with the previous month and the ...

The Wall Street Journal and Dow Jones Newswires use artificial-intelligence tools in a variety of ways in our journalism. For example, we use AI and machine learning in complex data-driven ...

No two credit scores are the same, even if they belong to the same person. That's because the financial industry uses different scoring models for different purposes. The credit score that matters the ...

Pamela is a freelance food and travel writer based in Astoria, Queens. While she writes about most things edible and potable (and accessories dedicated to those topics,) her real areas of expertise ...