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Understanding FICO® Scoring

Subject	Replies	Author	Views	Latest Post
CRA dispute mailing address?	1	Notmilk	630	‎10-24-2008 11:38 AM by ByrdMan
WIll TU tell me fall-off date if I call?	3	nyccc2	545	‎10-24-2008 07:21 AM by nyccc2
"Settled - Charged OFF"	2	usaims	567	‎10-24-2008 03:31 AM by usaims
Simulator Error? [ 1 2 ]	14	Andy77	1727	‎10-24-2008 02:41 AM by marty56
Cell Phone App Inquiry hurts score?	3	nyccc2	648	‎10-23-2008 10:36 PM by demed
Yeah! Cap1 falls of TU, now just Efax and gone ba...	1	nyccc2	397	‎10-23-2008 04:36 PM by polyray
Distinctiion between hard and soft inquiries	3	RobertEG	896	‎10-23-2008 01:40 PM by demed
Why doesn't my fico score go up as quickly as it g...	7	Katie67	1197	‎10-23-2008 12:26 PM by ByrdMan
Mortgage being sold - this sucks!	3	tiger67	665	‎10-23-2008 12:13 PM by ByrdMan
"Average balance" or ACTUAL balance of a cc?	2	gbreadman	584	‎10-22-2008 06:07 PM by ByrdMan
Authorized User	1	Vigilante	449	‎10-22-2008 05:28 PM by debtisgood
4 New Accounts In Sept - Will My Ficos Plummet?	5	jbh	803	‎10-22-2008 02:45 PM by jbh
Wow, Fako showed HUGE jump when Cap1 dropped off, ...	0	nyccc2	282	‎10-22-2008 11:29 AM by nyccc2
easy money [ 1 2 3 4 ]	31	mispoken1	1443	‎10-22-2008 08:22 AM by Mike14
Raising Credit Limits?	8	RunningToWin	1271	‎10-21-2008 05:35 PM by RunningToWin
Confirmed this time for sure. ...this age old ques... [ 1 2 3 4 5 6 ]	56	ilovepizza	3702	‎10-21-2008 04:31 PM by smallfry
Store Card to a Major CC	1	Shnapple	416	‎10-21-2008 02:35 PM by debtisgood
Open account with $0 credit is bad right?	1	FicoPower	598	‎10-21-2008 12:08 PM by GFer
Collections Removed and Score Update	7	Donks3369	1051	‎10-21-2008 08:39 AM by GFer
When a credit card is stolen and replaced.	9	gbreadman	1202	‎10-20-2008 08:49 PM by gbreadman
1 year since last late payment coming up	5	AmyBoo	876	‎10-20-2008 07:38 PM by AmyBoo
Making this make sense	5	AmyBoo	774	‎10-20-2008 07:34 PM by AmyBoo
FICO scores - based on current util data only, or ...	4	ace9848	748	‎10-20-2008 06:22 PM by Shnapple
Why is my score going up???	4	ny7007	943	‎10-20-2008 02:44 PM by ny7007
uh-oh, i may be getting into a new bucket soon	7	valley_man0505	1274	‎10-20-2008 02:19 PM by valley_man0505
Score increase question	3	mx6bfast	908	‎10-20-2008 01:58 PM by ByrdMan
Why does my score keep dropping?	3	domingo3	561	‎10-20-2008 09:16 AM by CreditAble
My score went down -42 points	6	mishie	984	‎10-20-2008 08:34 AM by gbreadman
Score Watch [ 1 2 ]	11	vawt	1479	‎10-20-2008 03:52 AM by casinoannie97
Simple question concerning derogs [ 1 2 ]	12	Fancyron	1351	‎10-20-2008 02:40 AM by marty56

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.