Better Health for All

FICO demonstrates exceptional healthcare data responsibility by developing its Medication Adherence Score using only publicly available data, explicitly avoiding sensitive health information.

For other health-related KPIs, FICO's business model as a B2B analytics software company means many are not applicable, as it does not directly offer health products, engage in clinical trials, or focus on nutrition. Employee wellness programs are excluded by the value definition.

Fair Money & Economic Opportunity

Fair Isaac Corporation (FICO) introduced innovative credit scoring models, FICO® Score XD and UltraFICO™ Score, which leverage alternative data such as public records, utility payments, and consumer-permissioned checking/savings account data to enhance credit access for underserved populations and individuals with limited credit histories

. The company also hosted a free credit education event in Richmond, Virginia, providing credit education and counseling services in Spanish to Latino small business owners and entrepreneurs . In fiscal year 2023, FICO invested $242 million in research and development . However, FICO faced an antitrust investigation by the Department of Justice and multiple class-action lawsuits as of September 2023, alleging monopoly power and inflated prices in the credit scoring market . As FICO's core business is analytics software and credit scoring, it does not offer direct lending or deposit services to consumers, nor does it operate financial service access points.

Fair Pay & Worker Respect

FICO is committed to providing a work environment free of unlawful harassment, discrimination, and workplace violence.

The company promotes pay equity in the U.S. by detailing base pay ranges on public job postings and prohibiting recruiters from inquiring about past compensation. Over the past decade, FICO expanded its annual performance-based equity program from 7% to over 33% of its workforce and offers an Employee Stock Purchase Plan. The company provides competitive health and welfare benefit plans with significant subsidies, retirement plans with company matches, flexible paid-time-off, and up to 12 weeks of paid maternity and parental leave. A Wellness Program supports physical and mental health with education, coaching, and quarterly cash awards. However, specific quantitative data required for scoring KPIs such as living wage coverage, CEO-median pay ratio, collective bargaining share, safety incident rate, pay equity ratio, worker engagement score, turnover rate, labor violation incidents, insecure contract share, or health insurance coverage percentage is not provided in the articles.

Fair Trade & Ethical Sourcing

Fair Isaac Corporation (FICO) operates in analytics and digital decisioning technologies, which do not involve sourcing physical materials or commodities.

As such, the company has no direct involvement in material sourcing typically associated with fair trade or ethical sourcing concerns. This means there is no traditional supply chain requiring welfare or sourcing audits, no exposure to upstream labor practices related to physical goods, and no material sourcing of at-risk inputs. Information regarding the percentage of procurement budget directed to indigenous, minority, or local community suppliers is not provided in the articles.

Honest & Fair Business

Fair Isaac Corporation faces multiple severe and unresolved controversies. In September 2023, a U.S. District Judge allowed multiple antitrust class action lawsuits, initiated between 2020 and 2023, to proceed

. These lawsuits accuse FICO of maintaining monopoly power through anti-competitive agreements and inflated pricing . In March 2024, a U.S. Senator urged the Department of Justice to reopen an investigation into FICO's potential anticompetitive practices . Additionally, in April 2024, a law firm initiated an investigation into FICO regarding potential securities fraud or other illegal business practices . The company also faces criticism for a lack of transparency in its credit scoring algorithms, raising concerns about fairness, as noted in August 2023 . While a previous antitrust investigation by the Department of Justice, opened in March 2020, was concluded in December 2020 without enforcement action , the current array of legal challenges and criticisms indicates significant ongoing issues.

Kind to Animals

Fair Isaac Corporation (FICO) is a software company whose core business operations do not involve animals, animal products, or animal testing. As such, all animal welfare-related KPIs are not applicable. While FICO has shown commitment to general environmental sustainability, such as a 20% investment increase in sustainable resources

and a pledge to cut global carbon emissions by 30% by 2030, these initiatives are focused on carbon footprint reduction and energy efficiency, and are not directly tied to measurable wildlife conservation, habitat restoration, or other animal welfare impacts as defined by this value.

No War, No Weapons

Fair Isaac Corporation's core business is analytics software, including credit scoring and fraud detection. The company's Falcon Fraud Manager technology, a global payment card fraud detection system, is utilized by the U.S. Department of Defense for fraud detection within its Purchase Card Program.

There is no evidence that FICO is involved in the manufacturing, sale, or development of controversial or banned weapons.

Planet-Friendly Business

FICO, an analytics software company, reported a carbon output of 10,000 metric tons in 2022.

The company has pledged to reduce global carbon emissions by 30% by 2030, aligning with Paris Agreement goals. In 2023, $5 million was allocated to upgrade systems with energy-efficient alternatives. FICO joined The Climate Registry in 2009 to document and report greenhouse gas emissions. and became a member of The Green Grid in 2009 to advance data center energy efficiency. In 2008, it launched a Sustainable Enterprise Initiative with goals to cut IT system power usage by 50% and reduce printing output by 80% by 2010. The Upright Project assigned FICO a net impact ratio of 47.0 percent, indicating an overall positive sustainability impact.

Respect for Cultures & Communities

The provided articles describe FICO's general community involvement through financial literacy programs for underserved communities

and employee donation matching to charitable organizations . They also detail internal diversity and inclusion policies and employee resource groups . However, the articles do not contain specific, quantifiable evidence for any of the KPIs related to Respect for Cultures & Communities, such as the number of formal partnerships with indigenous or local community groups, the percentage of revenue reinvested in local community development, or details on cultural impact assessments, cultural preservation investments, or cultural appropriation incidents. No data is provided for local employment ratios, community-specific grievance mechanisms, or cultural sensitivity training completion rates.

Safe & Smart Tech

FICO demonstrates a strong commitment to responsible AI and data privacy. In 2025, the company received a BIG Innovation Award for its blockchain-based AI governance solution, which tracks machine learning models to ensure transparency, accountability, and compliance with regulatory requirements

. This system also contributes to continuous auditing of AI systems by providing a record of model development, testing, and deployment . FICO holds patents in explainable AI and ethical AI, and emphasizes making AI decision-making understandable to users and stakeholders . The company uses fairness-aware machine learning to mitigate biases in its models and patented a system to improve AI security by detecting adversarial features and blocking harmful transactions, enhancing decision model reliability . FICO secured 12 new patents focused on data privacy, indicating strong privacy engineering in product development . Additionally, technologies like UltraFICO empower consumers with data control .

Zero Waste & Sustainable Products

FICO launched its Sustainable Enterprise Initiative in 2008

, which included a target for an 80% decrease in printing .