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Why FICO built its own LLM

The 10B-parameter model is 40% more accurate than prior models

Vaidik TrivedibyVaidik Trivedi
October 16, 2026
in Strategy
Reading Time: 3 mins read
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FICO doesn’t trust AI models it can’t inspect, so instead of building tools on a frontier LLM, the credit-scoring company trained its own.  “A large language model that I don’t know [what] the data that went into it is unacceptable,” Scott Zoldi, FICO’s chief analytics officer, told FinAi News.   The concern is bias: without knowing […]

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