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Hello
I am student in Switzerland and make a work on how usa bank give credit. I know that they use FICO scoring, but how it work? I know that if you pay your credit card bill your credit score will upgrade, but what's all information they use? what is the legal information about FICO? What they use to determine the score. I need legal information or link to serious website.
I apolagise if this question was in another discussion....
Thank you.
Details of how FICO scoring is done are a proprietary trade secret of Fair Isaac. All you can get is general information about the major factors considered.
I suggest you check out the Credit Scoring 101 site in this forum for more detailed discussion.