FICO Score
also referred to as: fico
3 statements across 3 episodes · 1 bullish · 2 bearish · 2 people on the record · first statement Jan 2, 2019 by Alex Rampell · said 9 times in 6 episodes since 2019 · across every show →
Mentions by year
brought up most by Max Levchin (4), Alex Rampell (4), Connie Chan (1)
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2026 2 mentions in 1 episode
2025 1 mention in 1 episode
2019 6 mentions in 4 episodes 2 per episode
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- every mention in 2019, scene by scene →
Everything said about FICO Score, oldest first
Jan 2, 2019 bullish
Software analyzing direct bank data will outperform traditional FICO credit scores
“But the main thing that's going to change this is the software to identify, okay, we think that you are a positive quality payer. We see what's going on in your bank account. We see things that are just much, much better than what FICA can provide to us.”
Jan 2, 2019 negative
Levchin: FICO scores drive bank credit decisions despite being outdated
“All the different decisions by even the most sophisticated lenders and banks are largely driven through this magical number called the FICO score. Which was invented in the eighties or even late seventies and has really not changed that much. Certainly has not…”
Sep 3, 2026 negative
Levchin: FICO scores are insufficient to underwrite multi-year installment loans
“And to do that, you have to underwrite. Like, you can't shortcut the, I'll just look at your FICO score, or I'll just sort of, you know, I'll look at your Facebook friends. Like, none of that works. You actually have to do a real, very sophisticated degree of …”