Facts about FICO and the truth behind the Credit Score Industry

#164: Even though FICO is celebrating 25 years as a publicly traded company, this is their very first audio interview. We are going to hammer out the clear and correct information about FICO and the credit scoring industry. Anthony Sprauve, Director of Public Relations at FICO, tells us the truth about: How FICO is able to capture our data from credit card companies, auto loans, student loans, etc. The relationship FICO has with the big three credit score bureaus: Experian, Equifax, and Transunion Which score is the real score? What is FICO 9 and how will it change someone's score? Is there an imbalance between evaluating the everyday American's score and someone who doesn't use debt products (Debt Freedom Fighters)? When will FICO begin using non-debt payments in the credit score?   For more information, visit the show notes at