Best known for its credit-score calculation services, Minneapolis-based Fair Isaac also sells software to government and industry for making business decisions and reviewing medical bills.

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Additionally, after a detailed statistical analysis and recommen dation by Management Research Group, the Journal made a slight change to its corporate-score calculation to compensate for the discrepancy although the correlation between the two methods was very high.

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According to Navin Bathija, Neo's CEO, the company does review a user's credit report for red flags and but doesn't use the FICO score in its risk calculation.

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The final score is assigned using an algorithm, or mathematical calculation.

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