For over 20 years, credit grantors have been able to exchange data with collection agencies, law firms, debt buyers, skip tracers, and other vendors through the FICO Network. Currently, more than two dozen financial institutions, telecoms, and automobile finance companies use the FICO Network to reach over 300 third parties. Most credit grantors link to multiple third parties and vice versa. Last year, credit grantors used the FICO Network to place $120 billion in debt with third-party agencies. Data exchange in the FICO Network has been conducted through fixed file formats. However, FICO h...