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In today’s world there are many words that we all consider and recognize as curses. Whether it’s the sugar-honey-ice-t’s, the female dogs, the mother-flockers or the f-word. Somewhere in that mix, our economy has added a few others–we now have our Sallie Mae’s, Fannie Mae’s, student loans, ARMs (Adjustable Rate Mortgages), recession, depression, bankruptcy and foreclosure. Well, there’s another word that’s been making its way to the top of the list and it’s the new f-word! Our dear friend Fair Isaacs or F.I.C.O. as some of you may know him.

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