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@WindwardStocks "But heres the twist: VantageScore launched in 2006. Nineteen years later it still hasnt displaced FICO. Thats not competition failing. Thats a moat working exactly as designed. 🧱 #FICO #Investing #Moats"
X Link @WindwardStocks 2025-10-10T22:04Z XX followers, XX engagements

"Just published a deep dive on $FICO the company behind Americas credit score. Two sharp sell-offs took the stock from $2375 to $1500. Heres the short version of why the market might be wrong about it 👇 #investing #FICO #stock"
X Link @WindwardStocks 2025-10-10T21:59Z XX followers, XXX engagements

"$FICO the company behind your credit score has quietly been one of the markets best compounders: 📈 $XX in 2015 $2375 in 2024 (45% CAGR). Then 2025 happened. Two sharp sell-offs cut the stock nearly in half. Heres why investors panicked and why the moat didnt. 🧵 #StockMarket #Investing #FICO"
X Link @WindwardStocks 2025-10-10T22:00Z XX followers, XXX engagements

"Then came $FICO's power move. On Oct X 2025 FICO launched 'Mortgage Direct License' Program. FICO now sells scores directly to lenders cutting out bureaus that took a $X markup. The stock jumped +18% the next day. #FICO #investing"
X Link @WindwardStocks 2025-10-10T22:08Z XX followers, XXX engagements

"$FICO isnt just an algorithm. Its infrastructure. ✅ Used by XX% of top U.S. lenders ✅ Referenced in XX% of securitizations ✅ Embedded in risk pricing and compliance systems Switching away isnt cheaper. Its chaos. #Finance #CreditScores #Investing"
X Link @WindwardStocks 2025-10-10T22:05Z XX followers, XXX engagements

"Credit bureaus hit back fast: Experian: called it anti-competitive. Equifax: halved VantageScore prices and offered them free through 2026. TransUnion: warned it adds unnecessary complexity for consumers. The score wars have begun. ⚔ $EXPN $EFX $TRU $FICO"
X Link @WindwardStocks 2025-10-10T22:12Z XX followers, XX engagements

"Every credit model (PD LGD stress tests) is built around FICOs curve. Changing scores means rebuilding models retraining staff and regulator validation. Operational friction + regulatory inertia = FICOs moat. #Banking #RiskManagement #CreditScores"
X Link @WindwardStocks 2025-10-10T22:06Z XX followers, XX engagements