Is FICO (Fair Isaac Corporation) halal?

Q: Is FICO (Fair Isaac Corporation) halal?

DOUBTFUL: Credit scoring analytics — enables interest-based lending infrastructure. Fair Isaac (FICO) sells the FICO Score and analytics software used by lenders to assess creditworthiness. The company itself does not lend money or charge interest, but its primary customers are banks and lenders engaged in riba. Revenue is pure software/analytics. Most scholars would consider this doubtful — FICO enables but does not directly engage in riba.

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FICO

Fair Isaac Corporation

DOUBTFUL

Score: 65/100

stock

Is FICO Halal?

Credit scoring analytics — enables interest-based lending infrastructure.

What You Should Know

Fair Isaac (FICO) sells the FICO Score and analytics software used by lenders to assess creditworthiness. The company itself does not lend money or charge interest, but its primary customers are banks and lenders engaged in riba. Revenue is pure software/analytics. Most scholars would consider this doubtful — FICO enables but does not directly engage in riba.

⚠️ Concerns

•Primary customers are interest-based lenders
•Core product enables credit/debt decisions
•Minor interest income on cash holdings

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