The majority of fintech stocks have bounced back this year after a very difficult 2022 when businesses in the space struggled due to rapidly rising interest rates. If you've ever had your credit score run before -- and most U.S. adults have -- then you've interacted, at least indirectly, with Fair Isaac (NYSE: FICO). It's the company that developed the FICO score, which is used widely to judge would-be borrowers' creditworthiness for various types of consumer loans.