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Fair Isaac Corp., creator of the widely used FICO® score, announced last year it would end credit score piggybacking due to alleged abuses. However, during Congressional testimony Tuesday, Fair Isaac Corp. acknowledged it had reversed this decision. As discovered by BoostMyScore.NET earlier this year, it would have violated the Equal Credit Opportunity Act. A company official broke the news during a House Financial Services Subcommittee on Oversight and Investigations hearing entitled "What Borrowers Need to Know about Credit Scoring Models and Credit Scores." In a prepared testimony by Fair Isaac's vice president of scoring solutions, Thomas J. Quinn stated “After consulting with the Federal Reserve Board and the Federal Trade Commission earlier this year, Fair Isaac has decided to include consideration of authorized user trade lines present on the credit report" in a revamped version of the credit score formula called FICO® 08.