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Understanding FICO® Scoring

Subject	Replies	Author	Views	Latest Post
Scores Don't Match	1	rkdavie	134	‎03-20-2013 09:27 AM by llecs
Really annoyed	4	LyonsPride	352	‎03-20-2013 07:27 AM by sarkell
Moved: Employers on Credit Reports	0	llecs	68	‎03-19-2013 08:19 PM by llecs
FICO Score keeps dropping and I have no clue why..... [ 1 2 ]	15	cville4	533	‎03-19-2013 07:25 PM by rebroker212
SHOULD I TRY TO GET BAD DEBT TAKEN OFF MY CREDIT?	4	bella1013	252	‎03-19-2013 06:46 PM by bella1013
Losing points at 5% utilization???	5	percy81	373	‎03-19-2013 06:07 PM by FAKO99
SECURED LOANS..IS IT EVER TOO EARLY TO PAY OFF?	3	bella1013	199	‎03-19-2013 04:46 PM by llecs
FAKO vs. FICO (yes, again)	7	lolabelle	524	‎03-19-2013 02:48 PM by Thunder76
AAOA calc - does it include duplicate accounts due...	3	nagisa	171	‎03-19-2013 12:49 PM by sarkell
Repairing Recent Bad Report	4	CUProf	183	‎03-19-2013 04:41 AM by CUProf
Credit Score - Pull now or wait for lender?	3	lolabelle	165	‎03-18-2013 08:10 PM by Asailorshort
Does Paying Off Students Loans Boost Credit Score? [ 1 2 ]	17	Commandolam	830	‎03-18-2013 03:39 PM by youngandcreditwrthy
Length of Credit in Green in Feb, Red in Mar?	1	ree8281	92	‎03-18-2013 07:52 PM by Asailorshort
questions about utilization.	8	cnelson	350	‎03-18-2013 05:45 PM by Wolf3
Slight FICO increase!!!	3	knightlynews	205	‎03-18-2013 03:46 PM by knightlynews
Major drop - FICO now lower than 2 years ago when ... [ 1 2 ]	15	cashnocredit	1213	‎03-18-2013 01:15 PM by cashnocredit
high score with out mortgage	3	sarkell	260	‎03-17-2013 09:06 PM by guiness56
Paying off my Credit Card (from like 90% to 0% Uti...	6	LosAngeles	662	‎03-17-2013 06:53 PM by exl
I DON'T CARE FICO!!!!!!!! [ 1 2 ]	10	Aim720	511	‎03-17-2013 04:31 PM by DaveSignal
Account mix and closed accounts. Also insurance, v...	1	UKTone	136	‎03-17-2013 11:53 AM by guiness56
What Experian Score is correct?	8	primandproper	319	‎03-17-2013 09:38 AM by primandproper
Student Loans?	1	jones2929	223	‎03-16-2013 05:15 PM by llecs
installment accounts affectvon credit score	1	Ficoseeker	161	‎03-16-2013 10:17 AM by llecs
Credit Card AAoA & Open Date	2	Bones	165	‎03-15-2013 07:36 PM by Phizzle
3 scores (mid score)	3	MarieSmiles4	187	‎03-15-2013 05:50 PM by Adalen
Should I pay off collections/charge offs?	7	WillF360	422	‎03-15-2013 12:22 PM by WillF360
33 point increase today!!!	5	dodfire	495	‎03-15-2013 05:13 AM by percy81
When do credit card companies report	5	misgiglee1	242	‎03-14-2013 10:28 PM by DRE123
Huge CLI - No movement in score?	2	jandlynn	224	‎03-14-2013 11:00 AM by llecs
My results with CC consolidation	4	shasta	298	‎03-14-2013 04:04 AM by bettercreditguy1

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO^® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

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FICO and myFICO are registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Score Watch is a registered trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO scores and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.