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WTF FICO
Posted by: clayfox
Date: September 07, 2009 11:43AM

<rant>
After some preliminary searching, I find that the FICO algorithm is proprietary. WTF! Also, I find a bunch of info saying that Equifax, TransUnion, and Experian use different algorithms. I also found sites saying that they all use the same FICO algorithm but potentially have different data points.

My free-information hackles don't get raised at much, but they were going wild about this. Then I started seeing products that could be purchased: software to calculate FICO scores.
</rant>

So my question is: who has reverse engineered FICO software, and what is the F-ing algorithm?

-clayfox

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