Fair Isaac Corporation (FICO) is a provider of analytic, software and data management products and services. FICO provides a range of analytical solutions, credit scoring and credit account management products and services to banks, credit reporting agencies, credit card processing agencies, insurers, retailers and healthcare organizations. It operates in three segments: Applications, Scores and Tools. Applications segment includes the former Strategy Machine Solutions segment, excluding myFICO solutions for consumers, and associated professional services. Scores segment includes the business-to-business scoring solutions, myFICO solutions for consumers and associated professional services. Tools segment includes the former Analytic Software Tools segment and associated professional services.