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Understanding FICO® Scoring

Subject	Replies	Author	Views	Latest Post
Fico vs. Fako? which one is REALLY more reliable	5	CreditDrama85	994	‎11-10-2008 12:28 PM by Boscoe
need help understanding SW alert	1	jsbach1982	375	‎11-10-2008 12:06 PM by ByrdMan
this seems like somewhat of a scam...	5	joyce11	672	‎11-10-2008 11:27 AM by llecs
New account anniversary	1	vawt	522	‎11-10-2008 08:02 AM by llecs
closing a card	3	trl	816	‎11-10-2008 06:56 AM by cobra19
Found this on web, The FICO® Score Estimator [ 1 2 3 ]	24	Captain_Marvel	3999	‎11-09-2008 05:47 PM by AmyBoo
Help me understand something	9	71969	962	‎11-09-2008 02:47 PM by AmyBoo
WHAT DO I NEED TO DO NOW?	7	bsal	829	‎11-09-2008 12:53 PM by AmyBoo
SL's reporting as deferred = +43 points!	1	jsbach1982	379	‎11-08-2008 04:51 PM by GFer
I HAVE A BIG PROB NOW!!!	9	bsal	1076	‎11-08-2008 04:36 PM by mistyweather
Trying to figure out my 'bucket' (almost 9 year fi...	3	jbh	495	‎11-08-2008 07:07 AM by jbh
7 years from 'when' does derog credit stay on repo...	3	FinancialFreedomSeeker	946	‎11-08-2008 04:26 AM by MattH
Fico with derogs, Will it ever go above 689????	3	going2tdc	813	‎11-07-2008 04:17 AM by marty56
Does Experian Fico Punish Baddies More Than TU?	8	jbh	1010	‎11-06-2008 08:57 PM by jbh
Which program gives you a monthly tri-pull?	3	Houston-Mike	508	‎11-06-2008 08:44 PM by Houston-Mike
Two things that don't make sense on advice page fr...	3	kmconsulting80	537	‎11-06-2008 08:38 PM by ByrdMan
All Ficos Have dropped unexpectantly...	1	K-Man	518	‎11-06-2008 08:30 PM by ByrdMan
FICO score decreased	3	Mktg_scientist	1070	‎11-06-2008 05:52 PM by debtisgood
FICO Score / utilization ratio and a Debt Manageme...	1	REWALLER	1017	‎11-06-2008 04:55 PM by marty56
The best way to pay American Express for your FICO...	3	TheTaxMan	3177	‎11-06-2008 09:57 AM by haulingthescoreup
amount of debt GREAT?? [ 1 2 ]	17	ficoachiever	1283	‎11-06-2008 12:22 AM by psychic
SW Alert...15pts!	7	GFer	1100	‎11-05-2008 04:41 PM by Breakthecycle2
EQ reporting incorrectly?	3	GFer	692	‎11-05-2008 02:02 PM by GFer
Retail Charge Cards - Keep em open or close em	2	fatjoe8	610	‎11-05-2008 12:17 PM by psychic
how does short term debt affect my score??	1	cantgetahead	474	‎11-05-2008 08:08 AM by ByrdMan
Should I ask HSBC to re-report my replaced card?	0	nyccc2	259	‎11-05-2008 06:36 AM by nyccc2
bigger impact--multiple collections or single judg...	9	valley_man0505	1495	‎11-05-2008 05:48 AM by valley_man0505
SW - 16 point jump in 5 days???	4	NavyLifter	996	‎11-04-2008 10:19 PM by ByrdMan
Score Watch Alert -18 points for using an account?	8	AceZX7	909	‎11-04-2008 06:45 PM by marty56
WHAT DOES DEBT TO CREDIT RATIO MEAN ANYBODY? [ 1 2 ]	14	bsal	4589	‎11-04-2008 04:17 PM by bsal

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.