Buy FICO by Dec 15, 2026.

I've tracked FICO closely since the spring and read essentially everything published on it this year: the sell side, the independent deep dives, the long form substack write ups (fun fact: I even came across one that was 112 pages long lol). Most of them get the facts straight and right but the method usually isn't, and there's gap which is why I wrote my own, besides the fact i promised some folks I'll share my fico analysis (looking at …