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Understanding FICO® Scoring

Subject	Replies	Author	Views	Latest Post
reported util question	4	rootpooty	202	‎07-17-2012 05:58 AM by Quips
Quick question about utilization	2	bodybuilder510	188	‎07-17-2012 02:21 AM by rckstrscott
Why Is There A 61pt Difference...	2	Icemanku	155	‎07-17-2012 01:02 AM by llecs
Building risk models after great recession.	3	mike1145	328	‎07-16-2012 08:19 PM by jamesdwi
Scoring ....	0	naf	76	‎07-16-2012 07:10 PM by naf
YIKES! 39 point decrease!	5	cmthomas06	316	‎07-16-2012 03:55 PM by crunching_numbers
"Estimated month and year that this item will be r...	4	irving_magik	469	‎07-16-2012 12:34 PM by irving_magik
Auto financing number of inquiries	2	cpacfp	174	‎07-16-2012 12:34 PM by tooleman694
TU 98 or 04	3	cpacfp	216	‎07-15-2012 09:04 PM by Mekitcat
Moved: what is considered "recent"?	0	MarineVietVet	53	‎07-15-2012 08:32 AM by MarineVietVet
"Not scored: Insufficient Credit"	6	mike12	299	‎07-14-2012 03:24 PM by llecs
Good Or Bad?	1	Booner72	131	‎07-14-2012 09:36 AM by marty56
Lender pull vs Amex	2	pokerpro	150	‎07-14-2012 07:45 AM by pokerpro
Why would my credit score change twice each month?	7	vada61	481	‎07-13-2012 08:08 PM by DaveSignal
Parents Credit Card question	8	cdanib85	240	‎07-13-2012 01:42 PM by RobertEG
FICO - Please Help me Understand - hoping to get m...	2	billyboo	153	‎07-13-2012 01:23 PM by RobertEG
Better score with 2 cc reporting small balances?	6	sunshine7157	243	‎07-12-2012 05:18 PM by sunshine7157
rebucketed at EQ?	0	Andrew22	135	‎07-12-2012 12:52 PM by Andrew22
How an auto loan affects your FICO score?	2	NewSurrender	321	‎07-12-2012 08:52 AM by pakman92
28 yrs of good history gone	8	Imhotrodcrazy	569	‎07-11-2012 07:55 PM by jamesdwi
Moved: Trying to Establish MySelf Again	0	MarineVietVet	48	‎07-11-2012 01:12 PM by MarineVietVet
Joint accounts and effect on score	2	Kozmo	204	‎07-10-2012 12:46 PM by RobertEG
sold collection new CA	3	dabolts_619	166	‎07-10-2012 12:41 PM by RobertEG
utilization drop--possible impact?	3	newcarbound	209	‎07-10-2012 08:31 AM by llecs
Almost a 100 point drop!?	6	xspacemanspiff	705	‎07-10-2012 06:59 AM by tooleman694
Inactive account	7	jmcmanna	466	‎07-09-2012 11:09 PM by BigDaddy18
Moved: CA telling me it's "illegal" to delete a PIF colle...	0	llecs	90	‎07-09-2012 10:37 PM by llecs
How do I get an update on my score? [ 1 2 ]	12	viventi	467	‎07-09-2012 08:43 AM by xi
To Heck with AAoA...for now.	7	ztnjpv	486	‎07-08-2012 06:24 PM by emptypockets
Confused...How long should I keep auto loan in ord...	6	TilltedBrim	495	‎07-08-2012 08:16 AM by TilltedBrim

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.