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Fair Isaac and Company Inc

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About Fair Isaac and Company Inc

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Yeah but he was able to pinpoint a quarter that everything would come to a head in The Big Short based on FICO score and delinquency rates or some shit like that 
Yeah by slashing lending standards and selling cars to literally anyone with a pulse, but when has that ever gone wrong? At end of 2024 they had 0.82% of non-FICO borrowers in the prime issuance. Now it's 5.7x that. Channel stuffing subprime lending into a subprime lending crisis to beat earnings.
CVNA is just dumping cars to zero FICO lenders and I guess praying that the autopocalypse doesn't absolutely kill them? CVNA Auto Receivables Trust 2025-P3: "The percentage of Receivables with obligors that did not have a FICO® score at the time of application was approximately 4.66% based on the Initial Pool Balance." Prospectus dated 9/16/25 CVNA Auto Receivables Trust 2025-P2: "The percentage of Receivables with obligors that did not have a FICO® score at the time of application was approximately 3.21% based on the Initial Pool Balance." Prospectus dated 06/10/25 45% jump QoQ in non-FICO lending in their *prime* ABS arm
She's a 10 but her FICO score is 450 and she lives in a trailer.
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