The Fair, Isaac and Company (FICO) was founded in 1956

The three major credit bureaus were created in the mid-1900s to sort local credit reporting into national databases

In the 1800s, credit bureaus went into business to help lenders make decisions. But today's three major credit bureaus, Experian, Equifax, and TransUnion, didn't become the industry leaders they are today until the 20th century, around the same time FICO was founded.

See how a good VantageScore and a good FICO score can differ

While VantageScores and FICO scores both offer credit scores between 300 and 850 and consider the same core factors, they weigh those factors differently, and specific numbers can have different meanings depending on the type of score.

What your credit score actually means

The modern iteration of credit scores hasn’t been around for that long—it was invented just a few decades ago, in 1989. This video outlines how the credit scoring system has evolved and become more complex since then. Plus, it explains what your credit score actually means, what factors impact your score, and more. Watch it here.

Why consumers could soon see the impact of buy now, pay later loans on their FICO credit scores

FICO rolled out its first-ever BNPL-specific credit scoring models in June 2025. While missed installments can now negatively impact a credit score, there's also the potential for on-time BNPL installment payments to help boost scores.

Privacy concerns in the credit scoring system

Because credit scores use a lot of personal information (such as whether or not someone makes credit card payments on time), some worry their privacy is being compromised in the data collection process.

See a timeline of S&P Global's history—the company behind the S&P 500

From the 1941 merger of Standard Statistics and Poor's Publishing to the creation of the S&P 500 in 1957, the company that created the famous index has long been a leader in financial intelligence.

FIDE has governed international chess since 1924

The Fédération Internationale des Échecs was founded in Paris in 1924 to unify global chess rules and competitions. Today, it oversees world championships, regulates ratings, and serves as the official governing body for millions of players worldwide.

Why the SEC was started

The Securities and Exchange Commission was created during the Great Depression to restore public trust in financial markets after the 1929 crash. Established in 1934, it enforces transparency, investigates fraud, and protects investors by requiring companies to disclose accurate information and holding violators accountable.

In 1862, Friedrich Raiffeisen created cooperative banks to help farmers escape loan sharks

These cooperative banks offered fair loans and community-owned financial services. His vision spread worldwide, leading to credit unions with over 140 million members in the US alone today.

The first steps to rebuilding your credit score include getting to know exactly what's on your credit report and figuring out how far you are from the '700 club,' or 'good score' range.

AI could be increasing the opportunities for financial fraud

Systems that can reproduce near perfect counterfeits of legitimate financial documents are increasingly prevalent and sophisticated. The international Association of Certified Fraud Examiners estimate organizations lose about 5% of revenue to fraud each year.

BankFind is a tool that helps you find current and former FDIC-insured banking institutions

The tool from the Federal Deposit Insurance Corporation (also known as the FDIC) allows users to search for these institutions by name, location, and more.

The FIRE movement stands for ‘financial independence, retire early’

FIRE followers typically prioritize high savings rates, relatively frugal living, and aggressive investing strategies in an effort to work less and enjoy life more in the long term. They range from low-income manual laborers to high-income tech workers and doctors.

Computer scientists first started trying to optimize dating using computers in the 1950s

Although early dating sites like Match.com weren't launched until the 1990s, the history of dating apps dates arguably back to the mid-1900s when computer scientists used IBM computers to solve matchmaking and compatibility problems.

Explore a visual timeline of fintech’s history and growth

From the debut of the world’s first ATM in 1967, to Apple Pay launching in 2014, financial technologies have come a very long way in a relatively short historical period. A colorful visual timeline highlights some of the most important milestones along the way.

COBOL was partly derived from Grace Hopper's FLOW-MATIC programming language

The Common Business-Oriented Language was developed for business data processing, supporting precise decimal calculations and an English-like syntax. Able to work across operating systems and hardware environments, COBOL and its newer versions support 80% of in-person credit card transactions and 95% of all ATM transactions.

The first federal student loan program began in 1958

As the Cold War heated up, federal officials recognized the need to provide financial aid to students pursuing degrees in areas critical to national security, like science, math, and engineering. These programs evolved to broadly support the general population, both increasing access to college while acting as a driver of increased costs. This six-part series takes a deep dive into the history of federal student aid.

How Sears helped create Discover Card

Sears owned the financial services company Dean Witter, which rolled out the Discover Card in 1986. The Discover Card is just one of many Sears inventions that seems to have outlasted Sears’ peak popularity, including Allstate Insurance and the clothing brand Lands End.

The fast Fourier transform breaks down wave signals into discrete components

The algorithm was initially discovered by German mathematician Carl Friedrich Gauss in 1805, but his notes were not found until after his death. Today, FFTs form the basis for most compression software in media and are essential to technologies such as radar, sonar, and telecommunications.

The history of the Linux Foundation, a technology consortium supporting open-source projects

The nonprofit, founded in 2000 by IBM, HP, Intel, and others as the Open Source Development Labs, was established to build the infrastructure needed to scale with the growing development of Linux. Upon merging with the Free Standards Group in 2007, it rebranded as the Linux Foundation and, as of 2024, provides a "neutral home for code and collaboration" to almost 1,000 projects.

The inventor of fantasy football first experimented with two other sports

In the mid-1950s, Wilfred “Bill” Winkenbach, a part-owner of the Oakland Raiders, concocted two fantasy sports games: one for Major League Baseball and one for the Professional Golfers’ Association. In 1962, he invented fantasy football alongside two writers from the Oakland Tribune.

Bob Noyce coinvented the integrated circuit, cofounded Intel and Fairchild Semiconductor, and is considered one of the founders of Silicon Valley

Some even called Noyce the “Mayor of Silicon Valley.” According to Steve Jobs, he was the “ultimate inventor, rebel, and entrepreneur.” This Founders episode dissects an article from 1983 that explains Noyce’s lasting impact.

The first F1 sponsor was a cigarette brand

Early F1 cars were typically painted in the team’s national colors, but in 1968, Team Lotus replaced the British racing green with paint resembling their new sponsor, Imperial Tobacco. The sponsorship was a first in the sport and altered the visual and financial landscape of F1 forever.

Read about Palantir's early days—from a Stanford University dorm to an investment from the CIA

Palantir was originally founded after the 9/11 attacks as a private-sector solution to the government's growing need for advanced intelligence. One of its earliest investors was In-Q-Tel, the CIA's non-profit venture capital firm.

The frozen pizza was invented in 1950

In 1950, some pizzerias were premaking pies, allowing customers to take them home and cook them at their convenience. That same year, Philadelphia's Joseph Bucci filed a patent for a "Method of Making Frozen Pizza." Soon, frozen pizzas were appearing in grocery store aisles.

The name 'Silicon Valley' arose from the founding of Shockley Semiconductor Laboratory in Fairchild Semiconductor in 1956-57, founded near Stanford University in Palo Alto

Before 'The Facebook', Mark Zuckerberg made 'Facemash.com'

During Mark Zuckerberg's sophomore year at Harvard, he built a website that allowed users to rank and rate people's pictures from the school's online "facebooks" called Facemash.com, which quickly went viral. He was placed on academic probation for violating the school's rules around data, privacy, and computer usage. Zuckerberg says the website was a prank and he never intended for so many people to see it. FaceMash is credited with being the predecessor to Facebook.

English mathematician Ada Lovelace wrote the first computer algorithm a century before computers existed and hypothesized that computing devices would one day be able to compose music—foreseeing the generative AI systems of today.

An initial public offering or 'IPO' is the process of a private company becoming public by putting shares of the company on the stock market for purchase.

Warren Buffett's former professor Benjamin Graham is known as the 'father of value investing,' a strategy in which investors seek to buy stocks trading below their intrinsic worth.

The Brothers Grimm were lawyers before they were storytellers, and became interested in fairy tales as they began investigating how rules and customs had been passed down through cultures.

While the first exchange-traded fund (a 'basket' of different assets that can be bought and sold on a stock exchange) in the US only launched in 1993, the global ETF market has grown to more than $10T in the short time since.

In 2026, Finland was named the world's happiest country for the ninth consecutive year based on its wealth, social safety network, and high life expectancy, among other factors.

The American Society of Civil Engineers' infrastructure report card gave the US a C in 2025, its highest grade since the project launched in 1998.

Roughly 43 million US borrowers owe roughly $1.7T in student debt, the second-largest source of consumer debt behind mortgages.

At the beginning of the 20th century, a group of young men ate standard American food—replete with food additives like borax and formaldehyde—as part of government research to better understand food safety.

In its famous catalog, Sears sold $600 DIY house kits from 1908 through the 1940s, resulting in an estimated 100,000 'Sears and Roebuck homes.'

Long before Major League Baseball began allowing instant replay for balls and strikes, an umpire reluctantly used the technology to determine whether a hit was a home run, a move that inadvertently ushered in a new era for the sport.

As of 2025, the most cited papers in science include a review of graphene, methods to improve image recognition, streamlining electron density calculations, and optimizing protein studies.

Dozens of S&P 500 stocks, including Coca-Cola and Walmart—known as the dividend aristocrats—have increased dividends every year for 25 years

Watch a 1934 short film starring jazz legend Cab Calloway, a major figure in the Harlem Renaissance's music scene

How Amazon operates a 'flywheel' business model, a self-reinforcing cycle that drives continuous growth

Legendary architect Frank Lloyd Wright designed the SC Johnson headquarters in Wisconsin, aiming to make a cathedral-like workplace

US intelligence allegedly pursued more than 600 schemes to assassinate Cuban revolutionary Fidel Castro.

See a ranking of the best (and worst) Federal Reserve Chairs since 1914 out of the 16 men and women who have held the office since.

'Saturday Night Fever,' the 1977 film that introduced disco to the mainstream, was based on a fabricated magazine story.

Search a massive database of over 4 decades of clues from the TV quiz show 'Jeopardy!'

Sony set the standard for cylinder-shaped batteries when it repurposed manufacturing equipment used to make rolls of magnetic recording tape.

Domino's Pizza's 30-minute delivery guarantee was responsible for the chain's 1980s surge, but it was discontinued after the company was found liable for delivery driver accidents.

Scientists can determine Earth's past climate conditions by analyzing air trapped in microscopic bubbles within ice cores—columns of compressed snow layers that build up over hundreds of thousands of years.