Josh: Why is FICO’s formula a secret?

Samira: It’s decided by the court system that it would be kept secret. As much as you have Coca

Cola having a secret formula for their soda, Pepsi does exist. That’s where I kind of like

to compare my services to. I don’t necessarily know the exact formula, but I have

enough information through depositions, trials, et cetera, and gathering of experience,

that I know what the formula likes and what it doesn’t like.