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Understanding FICO® Scoring

Subject	Replies	Author	Views	Latest Post
Score Simulator vs. Age	4	athensguy	951	‎10-01-2008 03:38 PM by TheNewWorldMan
chase id protection fico score - why do they use a...	5	chrismw	1480	‎10-01-2008 03:36 PM by TheNewWorldMan
Why SO low?	2	Clambakus	540	‎10-01-2008 03:27 PM by TheNewWorldMan
FICO 08 - any news? [ 1 2 ]	11	nothopelessyet	1625	‎10-01-2008 11:57 AM by athensguy
DH got a score increase and I didn't. Booo.	0	desifink	320	‎10-01-2008 11:54 AM by desifink
Five Legit Ways to Get a Free Credit Score [ 1 2 ]	11	Noah_Bodie	3318	‎10-01-2008 11:18 AM by casinoannie97
How much score gain would I see when 5 new account...	6	concorduser	1082	‎10-01-2008 09:53 AM by ilovepizza
Auto-CLI's versus a new account, and score effects...	8	Lucid08	997	‎10-01-2008 05:15 AM by Lucid08
Is Equifax the only bureau that decreases your sco...	1	GeorgiaPeach08	604	‎09-30-2008 07:57 PM by GFer
account closed by grantor	4	rob22	1090	‎09-30-2008 03:21 PM by smallfry
Yeah! Cap1 off Experian	2	nyccc2	616	‎09-30-2008 01:52 PM by valley_man0505
Increase Score 154 Points In 7 Months..Still Got A...	4	Briteeyez	851	‎09-30-2008 12:14 PM by Briteeyez
Red Flag, but not negative factors	5	ficoachiever	926	‎09-30-2008 10:06 AM by haulingthescoreup
Citi error messes up TU score!	5	wolfmgmt	1307	‎09-30-2008 08:37 AM by j180
Drop off date different with different CRAs?	3	nyccc2	612	‎09-30-2008 07:50 AM by Shnapple
Anyone else on a plateau? [ 1 2 ]	17	rebuilder	1928	‎09-30-2008 07:33 AM by Geordi
What happens to credit history if lender shuts do...	4	Kate0929	852	‎09-29-2008 11:52 AM by Kate0929
MY EQUIFAX SCORE IS FROZEN [ 1 2 ]	15	nathan	1857	‎09-29-2008 11:16 AM by rebuilder
To close or not to close... That is the question :...	4	NASCAR20FAN	980	‎09-28-2008 11:40 AM by haulingthescoreup
CFL accounts ?	5	credit08	801	‎09-28-2008 08:26 AM by haulingthescoreup
More about consumer finance companies	3	BabyBlue	1054	‎09-28-2008 05:05 AM by haulingthescoreup
Closing Old CC Accounts	2	Crisco20	716	‎09-27-2008 09:31 PM by ilovepizza
Disputing	1	cunclusion	677	‎09-27-2008 02:12 PM by BabyBlue
When do collections drop off your report?	1	JB-Books	874	‎09-27-2008 11:38 AM by MidnightVoice
SCORE CONFUSION [ 1 2 ]	10	Dakota34	1117	‎09-27-2008 08:22 AM by marty56
the number that appears before the credit history?	6	JkHarleygirl	2607	‎09-27-2008 07:52 AM by Timothy
Credit Utilization [ 1 2 ]	11	mizzou_tiger	1602	‎09-27-2008 06:24 AM by marty56
Out of the 3, which has the toughest scoring syste... [ 1 2 3 4 ]	37	GeorgiaPeach08	7225	‎09-27-2008 02:16 AM by haulingthescoreup
Example of Utility affecting scores	7	1111mel	1336	‎09-26-2008 10:13 PM by 1111mel
DOLA Question	4	nyccc2	720	‎09-26-2008 01:45 PM by nyccc2

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.