As a business solutions company, Fair, Isaac provides accurate, objective risk assessment tools to lenders.
Credit scoring is one such tool.
A credit bureau risk score is a snapshot of your credit risk picture at a particular point in time. Fair, Isaac develops the software used by banks and credit bureaus to generate scores, but Fair, Isaac does not calculate credit scores or have access to them. When you apply for a loan, your bank may send a request to one of the national credit bureaus to run a credit bureau score. The credit bureau then uses Fair, Isaac's software to calculate a score from your credit bureau information. Once the score is calculated, it is returned to your lender.