Partner Interview
Published November 8, 2025
FICO: Direct License Model & Vantage Score
inpractise.com/articles/fico-direct-license-model-and-vantage-score
Executive Bio
Current VP at a credit report reseller
Summary
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Interview Transcript
Disclaimer: This interview is for informational purposes only and should not be relied upon as a basis for investment decisions. In Practise is an independent publisher and all opinions expressed by guests are solely their own opinions and do not reflect the opinion of In Practise.
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Yes, I agree.
Considering the public options and those from the bureaus, we are all at a crossroads. Does it make sense to go direct, and what are the implications? From a technical and cost perspective, does it make sense? We analyzed the $4.95 plus $33 pricing on the back end, and if your corporate throughput is over 21%, there are no cost savings.
This is a snippet of the transcript.to get full access.
Yes, I agree.
So immediately, we are scratching our heads. If you read that publication, I am not saying anything out of school here. I thought it looked really cool. Then I asked the questions: this $33 per bureau, is this $4.95 plus $33? They agreed and said it was per bureau. We haven't even bought the credit information or the trended data yet, and you are telling me on a single bureau it will cost $115. How do we track this? How do we manage the funded loans? There is a lot to it.
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