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Understanding FICO® Scoring

Subject	Replies	Author	Views	Latest Post
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	205	‎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	708	‎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	487	‎07-08-2012 06:24 PM by emptypockets
Confused...How long should I keep auto loan in ord...	6	TilltedBrim	498	‎07-08-2012 08:16 AM by TilltedBrim
Define "new"	3	tcbofade	193	‎07-07-2012 11:56 PM by DaveSignal
Moved: score watch question	0	llecs	49	‎07-07-2012 11:28 PM by llecs
How much do hard pulls hurt your score??	6	praise123	887	‎07-07-2012 10:23 PM by BigDaddy18
Rebucketing???????	3	CC40	325	‎07-07-2012 04:51 PM by CC40
AAOA question	6	nwilson	234	‎07-07-2012 09:24 AM by ztnjpv
Auto Loan Paid off :) What's FICO going to do? [ 1 2 ]	11	tmbr10	498	‎07-06-2012 04:28 PM by tmbr10
Big Difference: myFico vs Experian	3	Raiders1	1077	‎07-06-2012 10:14 AM by Lel
Where did 39 EQ points go?!?! [ 1 2 3 ]	20	MrShush	590	‎07-06-2012 05:27 AM by MrShush
How do I get the other FICO scores? [ 1 2 ]	17	variableResistor	812	‎07-05-2012 06:54 PM by JonRun
AAoA is 1 year and 7 months and may sink: Need Adv...	4	praise123	266	‎07-05-2012 03:39 PM by RobertEG
Affect of short term loans on your credit report	7	irving_magik	369	‎07-05-2012 02:21 PM by irving_magik
1 year drop in AAoA worth 40 points?	1	ztnjpv	228	‎07-05-2012 10:26 AM by llecs
Improving my FICO	1	ajh_76	145	‎07-05-2012 09:10 AM by llecs
Too Many Credit Accounts - What Should I Do? [ 1 2 3 ]	21	pugsly8422	719	‎07-05-2012 06:29 AM by pugsly8422
$0 balance vs less than 1% util	2	mmmmmm	238	‎07-04-2012 04:57 PM by RobertEG
Grrrr.... late pay - does it matter?	6	lolabelle	262	‎07-04-2012 02:00 PM by lolabelle
Fico	2	mfiedler40	132	‎07-04-2012 12:11 PM by calihlove75
Finally got my Scores	5	doc101	262	‎07-04-2012 07:53 AM by llecs
Another Question About Utilization	2	jamie123	144	‎07-03-2012 09:13 PM by jamie123

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.