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FICO
FICO (legal name: Fair Isaac Corporation), originally Fair, Isaac and Company, is a data analytics company based in Bozeman, Montana, 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. The company reported a revenue of $1.29 billion dollars for the fiscal year of 2020. History FICO was founded in 1956 as Fair, Isaac and Company by engineer William R. "Bill" Fair and mathematician Earl Judson Isaac. The two met while working at the Stanford Research Institute in Menlo Park, California. Selling its first credit scoring system two years after the company's creation, [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Credit Score In The United States
A credit score is a number that provides a comparative estimate of an individual's creditworthiness based on an analysis of their credit report. It is an inexpensive and main alternative to other forms of consumer loan underwriting. Lenders, such as banks and credit card companies, use credit scores to evaluate the risk of lending money to consumers. Lenders contend that widespread use of credit scores has made credit more widely available and less expensive for many consumers. Under the Wall Street reform bill passed in 2010, a consumer is entitled to receive a free report of the specific credit score used if they are denied a loan, credit card or insurance due to their credit score. History Before credit scores, credit was evaluated using credit reports from credit bureaus. During the late 1950s, banks started using computerized credit scoring to redefine creditworthiness as abstract statistical risk. The Equal Credit Opportunity Act banned denying credit on gender or mari ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Credit Scoring
A credit score is a numerical expression based on a level analysis of a person's credit files, to represent the creditworthiness of an individual. A credit score is primarily based on a credit report, information typically sourced from credit bureaus. Lenders, such as banks and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers and to mitigate losses due to bad debt. Lenders use credit scores to determine who qualifies for a loan, at what interest rate, and what credit limits. Lenders also use credit scores to determine which customers are likely to bring in the most revenue. Credit scoring is not limited to banks. Other organizations, such as mobile phone companies, insurance companies, landlords, and government departments employ the same techniques. Digital finance companies such as online lenders also use alternative data sources to calculate the creditworthiness of borrowers. By country Australia In Australia, cre ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Earl Isaac
Earl Judson Isaac (7 August 1921 – 12 December 1983) founded Fair, Isaac and Company along with friend William R. "Bill" Fair in 1956. They began the operation in a small studio apartment on Lincoln Avenue in San Rafael, California. Early life and education Earl Isaac was born in Buffalo, New York. The youngest of five children, Earl had two older brothers and two older sisters. He graduated from high school at age 15, attended Muskingum University, then accepted an appointment in the United States Naval Academy at Annapolis, Maryland, for the class of 1944. Because of the outbreak World War II, he graduated from the Naval Academy in 1943, one year early, and served as a U.S. Naval officer on the USS ''Missouri''. After World War II, Earl earned a Master of Science degree in Mathematics at University of California, Los Angeles. Career After being discharged from the Navy, he worked at SRI International SRI International (SRI) is an American nonprofit scientific r ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
List Of S&P 400 Companies
This is a list of companies having stocks that are included in the S&P MidCap 400 (S&P 400) stock market index. The index, maintained by S&P Dow Jones Indices, comprises the common stocks of 400 mid-cap, mostly American, companies. Although called the S&P 400, the index contains 401 stocks because it includes two share classes of stock from 1 of its component companies. __TOC__ S&P 400 MidCap Index Component Stocks Selected past and announced changes to the list of S&P 400 components S&P Dow Jones Indices updates the components of the S&P 400 periodically, typically in response to acquisitions, or to keep the index up to date as various companies grow or shrink in value. See also *List of S&P 500 companies The S&P 500 stock market index is maintained by S&P Dow Jones Indices. It comprises 503 common stocks which are issued by 500 large-cap companies traded on American stock exchanges (including the 30 companies that compose the Dow Jones Industrial A ... * List of S&P 600 ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Roseville, Minnesota
Roseville is a city in Ramsey County, Minnesota, United States. It is one of two Minneapolis-Saint Paul, Twin Cities suburbs that are adjacent to both Saint Paul and Minneapolis (the other is Lauderdale, Minnesota, Lauderdale). The land comprising Falcon Heights, Minnesota, Falcon Heights, Lauderdale, and southern Roseville was unincorporated area, unincorporated until Roseville incorporated in 1948 and Falcon Heights and Lauderdale incorporated in 1949. History Roseville's land was originally settled by the Santee Sioux, Dakota and Ojibwe peoples. The first white settlers came in 1843, and the Native Americans in the United States, Native Americans left the area by 1862. Rose Township was established in 1858; it was named after one of the first settlers, Isaac Rose. The township included the areas now known as Roseville, Lauderdale, and Falcon Heights, as well as parts of present-day Saint Paul, Minnesota, Saint Paul and Minneapolis, Minnesota, Minneapolis. The area saw rapid g ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
SRI International
SRI International (SRI) is an American nonprofit scientific research institute and organization headquartered in Menlo Park, California. The trustees of Stanford University established SRI in 1946 as a center of innovation to support economic development in the region. The organization was founded as the Stanford Research Institute. SRI formally separated from Stanford University in 1970 and became known as SRI International in 1977. SRI performs client-sponsored research and development for government agencies, commercial businesses, and private foundations. It also licenses its technologies, forms strategic partnerships, sells products, and creates spin-off companies. SRI's headquarters are located near the Stanford University campus. SRI's annual revenue in 2014 was approximately $540 million, which tripled from 1998 under the leadership of Curtis Carlson. In 1998, the organization was on the verge of bankruptcy when Carlson took over as CEO. Over the next sixteen years wit ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
San Diego
San Diego ( , ; ) is a city on the Pacific Ocean coast of Southern California located immediately adjacent to the Mexico–United States border. With a 2020 population of 1,386,932, it is the List of United States cities by population, eighth most populous city in the United States and the county seat, seat of San Diego County, the List of the most populous counties in the United States, fifth most populous county in the United States, with 3,338,330 estimated residents as of 2019. The city is known for its mild year-round climate, natural deep-water harbor, extensive beaches and parks, long association with the United States Navy, and recent emergence as a healthcare and biotechnology development center. San Diego is the List of municipalities in California, second largest city in the U.S. state, state of California, after Los Angeles. Historically home to the Kumeyaay people, San Diego is frequently referred to as the "Birthplace of California", as it was the first site vi ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Fairfax, Virginia
The City of Fairfax ( ), colloquially known as Fairfax City, Downtown Fairfax, Old Town Fairfax, Fairfax Courthouse, FFX, or simply Fairfax, is an independent city (United States), independent city in the Commonwealth (U.S. state), Commonwealth of Virginia in the United States. At the 2010 United States Census, 2010 census the population was 22,565, which had risen to 24,146 at the 2020 census. The City of Fairfax is an enclave surrounded by the separate political entity Fairfax County, Virginia, Fairfax County. Fairfax City also contains an exclave of Fairfax County, the Fairfax County Court Complex. The City of Fairfax and the area immediately surrounding the historical border of the City of Fairfax, collectively designated by Fairfax County as "Fairfax", comprise the county seat of Fairfax County. The city is part of the Washington metropolitan area as well as a part of Northern Virginia. The city is west of Washington, D.C. The Washington Metro's Orange Line (Washington Me ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Austin, Texas
Austin is the capital city of the U.S. state of Texas, as well as the county seat, seat and largest city of Travis County, Texas, Travis County, with portions extending into Hays County, Texas, Hays and Williamson County, Texas, Williamson counties. Incorporated on December 27, 1839, it is the List of United States cities by population, 11th-most-populous city in the United States, the List of cities in Texas by population, fourth-most-populous city in Texas, the List of capitals in the United States, second-most-populous state capital city, and the most populous state capital that is not also the most populous city in its state. It has been one of the fastest growing large cities in the United States since 2010. Downtown Austin and Downtown San Antonio are approximately apart, and both fall along the Interstate 35 corridor. Some observers believe that the two regions may some day form a new "metroplex" similar to Dallas–Fort Worth metroplex, Dallas and Fort Worth. Austin i ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Public Company
A public company is a company whose ownership is organized via shares of stock which are intended to be freely traded on a stock exchange or in over-the-counter markets. A public (publicly traded) company can be listed on a stock exchange (listed company), which facilitates the trade of shares, or not (unlisted public company). In some jurisdictions, public companies over a certain size must be listed on an exchange. In most cases, public companies are ''private'' enterprises in the ''private'' sector, and "public" emphasizes their reporting and trading on the public markets. Public companies are formed within the legal systems of particular states, and therefore have associations and formal designations which are distinct and separate in the polity in which they reside. In the United States, for example, a public company is usually a type of corporation (though a corporation need not be a public company), in the United Kingdom it is usually a public limited company (plc), i ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Australia
Australia, officially the Commonwealth of Australia, is a Sovereign state, sovereign country comprising the mainland of the Australia (continent), Australian continent, the island of Tasmania, and numerous List of islands of Australia, smaller islands. With an area of , Australia is the largest country by area in Oceania and the world's List of countries and dependencies by area, sixth-largest country. Australia is the oldest, flattest, and driest inhabited continent, with the least fertile soils. It is a Megadiverse countries, megadiverse country, and its size gives it a wide variety of landscapes and climates, with Deserts of Australia, deserts in the centre, tropical Forests of Australia, rainforests in the north-east, and List of mountains in Australia, mountain ranges in the south-east. The ancestors of Aboriginal Australians began arriving from south east Asia approximately Early human migrations#Nearby Oceania, 65,000 years ago, during the Last Glacial Period, last i ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Minneapolis, Minnesota
Minneapolis () is the largest city in Minnesota, United States, and the county seat of Hennepin County. The city is abundant in water, with thirteen lakes, wetlands, the Mississippi River, creeks and waterfalls. Minneapolis has its origins in timber and as the flour milling capital of the world. It occupies both banks of the Mississippi River and adjoins Saint Paul, the state capital of Minnesota. Prior to European settlement, the site of Minneapolis was inhabited by Dakota people. The settlement was founded along Saint Anthony Falls on a section of land north of Fort Snelling; its growth is attributed to its proximity to the fort and the falls providing power for industrial activity. , the city has an estimated 425,336 inhabitants. It is the most populous city in the state and the 46th-most-populous city in the United States. Minneapolis, Saint Paul and the surrounding area are collectively known as the Twin Cities. Minneapolis has one of the most extensive public par ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
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