Does the FICO score take into account income, total assets, net worth, length of employment, debt-to-income ratio, etc? Perhaps these items are not included in your credit history with the credit bureaus, in which case they would probably not be included in the FICO (duh)
Are the details of the calculations used in FICO available to the public? How about the details of the calculations used in the myFICO simulator? Are there other simulators available to the public?
TIA,
Phil