FICO vs IBM

FICO is a software company based in San Jose, California and founded by Bill Fair and Earl Isaac in 1956. 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. FICO was founded in 1956 as Fair, Isaac and Company by engineer William Fair and mathematician Earl Isaac.

International Business Machines Corporation is an American multinational technology and consulting corporation, with headquarters in Armonk, New York. IBM manufactures and markets computer hardware, middleware and software, and offers infrastructure, hosting and consulting services in areas ranging from mainframe computers to nanotechnology. The company originated in 1911 as the Computing-Tabulating-Recording Company through a merger of the Tabulating Machine Company, the International Time Recording Company, and the Computing Scale Company.