fico, with the company's ceo, advice on how you can get yourself on to a board of directors from theresa briggs and inside genetic testing labs with eric evans at counsel. mark sullivan and managing editor of usa today, this week on "press here." >> good morning, everyone, i'm scott mcgrew. i learned something new on this show every week. this week two things. one, fico, the company famous for the fico score does not decide your credit rating. who knew? fico is head quartered in silicon valley, two blocks from this studio. again, who knew? will lansing is ceo and i assume he walked from his office, past ceo of fingerhut and info space, joined by mark sullivan and laura of "usa today." let's start with the idea that my fico score is so important but you're not the credit rating? >> the way it works, we're an analytics company and we produce the algorithm and score, the data is held by someone else and they use ours to produce the score when they then share with banks and sthaz how the credit -- >> walk me through that. i have a macy's bill, i don't pay the macy's bill, it's xper onor one of the