Fair or not, Fair Isaac has a lot to say about whether you get that loan approval. Also known as FICO, the company provides credit scores and risk management tools for businesses worldwide, including banks, credit card issuers, mortgage and auto lenders, retailers, insurance firms, and health care providers. FICO is the creator of the FICO Score, one of the most widely-used scoring systems to determine borrowers' creditworthiness. FICO also provides software for managing decisions and, for consumers, online credit management tools. While the US accounts for nearly 60% of its revenue, the company operates globally in more than 100 countries.