Over the past two decades, predictive analytics has been rapidly changing how business decisions are made.

The explosive growth in the availability of data and the ability to store and mine data is allowing organizations of all kinds and sizes to begin to use predictive analytics to enhance their business decisions and guide their practice.

Predictive analytics can help you rapidly improve your customer targeting, selection, messaging, sales and business performance.  But it also has the potential to unravel success in any of these categories with lightning speed.

Meet the Expert

About Patrick

  • Principal architect of FICO® credit-scoring franchise during 15-year career with Fair Isaac Corporation, inventors of the FICO credit scoring system.
  • EVP-Financial Services with global responsibility for Fair Isaac's dominant business line worldwide.
  • 12 years in private consultancy in marketing and credit analytics, and provision of expert witness services in credit score-related litigation.


Owner and Principal • The Culhane Company
Mar, 2002 — Present
  • Provides consumer and small business credit analysis services to top U.S. financial services clients.
  • Specialties in consumer behavior, marketing analytics, financial services marketing strategy, credit scoring, predictive analytics, and economic cycle analysis relative to consumer credit usage and spending.
  • Expert witness services in the areas of credit scoring, credit report interpretation, and credit scoring impacts on credit availability, usage and pricing.
Executive Vice President • Fair Isaac Corporation (now FICO)
Sep, 1985 — Mar, 2000
  • Principal architect of FICO® credit scoring franchise with responsibility for Fair Isaac’s dominant business line worldwide.
  • Leader of credit bureau analytic approach, credit bureau relations, and market adoption advancing products to status of industry standards.
  • Primary credit report analyst, personally analyzing thousands of credit reports.


Stanford University
MS, Statistics, 1977
University of California, Riverside
BS, Statistics, 1976

Academic Honors

Phi Beta Kappa


  • Advisory board member for leading consumer analytics technology firms (Strategic Analytics, Austin Logistics).

Keynote Speeches

  • Keynote speaker and credit industry panel chair (Austin Logistics, InfoCentricity) on subjects including: home equity-based lending revolution and impact on credit risk assessment (2006); mortgage “meltdown” and ripple effect on non-mortgage portfolios, credit reporting and credit score design (2008)
  • Featured speaker at Fair Isaac “Interact” conferences in the United States and Europe


  • Author, Associated Credit Bureaus study on impact of minor delinquency reporting on credit risk assessment
  • Author of Fair Isaac “ViewPoints” and credit scoring educational pieces
Packages with Patrick starting from $750

Your Expert Package Includes:

Best Practices

Access to ALL Best Practices authored by TrustedPeer Expert Patrick Culhane on this topic.

Pre-Meeting Discovery Process

Review and analysis of your issue with pre-meeting discovery questions by Patrick, followed by a 30- or 60-minute one-on-one call. Sample

One+-on-One Call

Your (+colleagues) meeting is directed and focused from the first minute.

Meeting Summary Report

After your call, Patrick completes a Meeting Summary Report to provide you with the session’s discussion topics, analysis, assessment and recommendations for next steps. Sample

Post-Meeting Engagement

After your meeting, continue your relationship with Patrick on your own, or with TrustedPeer’s support.