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Understanding FICO® Scoring

Subject	Replies	Author	Views	Latest Post
What's a good utilization?	5	my-own-fico	651	‎02-18-2012 04:17 AM by Mustanglvr2006
Two different FICO scores in one day hours apart! ...	3	TeeandDee	288	‎02-17-2012 07:20 AM by llecs
Credit card shows as consumer finance company [ 1 2 ]	11	jxflyer	531	‎02-17-2012 06:59 AM by jxflyer
Credit Experts - Please Take a Look at My Situatio...	7	twoaklawn	464	‎02-16-2012 05:42 PM by jdogi
High Credit Usage & Credit Score	4	TuffyLess	411	‎02-16-2012 04:28 PM by RobertEG
Discover Credit Monitoring	8	TeeandDee	559	‎02-16-2012 11:51 AM by my-own-fico
Fico from here?	4	new2homes	206	‎02-16-2012 09:26 AM by new2homes
Moved: Seven Year Removal Date	0	llecs	153	‎02-16-2012 06:48 AM by llecs
Closed card with balance, big impact on score?	1	TM82	259	‎02-15-2012 08:44 PM by MarineVietVet
Does CLI increase FICO?	8	bichonmom	421	‎02-15-2012 06:51 PM by AndySoCal
Which is lowering my scores more, closed cards or ... [ 1 2 3 ]	28	TCarson	563	‎02-15-2012 08:14 AM by MarineVietVet
How long until my FICO recovers?	3	chris2k5	401	‎02-14-2012 08:33 PM by cassembler
Horrible FICO Score Despite no lates [ 1 2 ]	15	q_thurst	672	‎02-14-2012 08:11 PM by cassembler
FICO vs. FAKO	1	lundungurl	310	‎02-14-2012 05:24 PM by pizzadude
Moved: Rebuilding credit, Need Help!!!	0	MarineVietVet	65	‎02-14-2012 04:16 PM by MarineVietVet
Highest score with judgment(s)? [ 1 2 ]	15	jdogi	1654	‎02-14-2012 04:03 PM by jdogi
Why is my credit score so low?	7	c3troop	730	‎02-14-2012 02:18 PM by KruzMon88
Finally Paid Off Credit Card Debt, and now score d...	5	Improver	3320	‎02-14-2012 12:01 PM by tjmmp56
Waiting on utilization increase is driving me craz...	6	Catacam	367	‎02-14-2012 07:42 AM by Catacam
I just paid off a loan	2	RTOrockstar	171	‎02-14-2012 06:04 AM by pizzadude
bank card application	2	hatluvr	123	‎02-13-2012 04:24 PM by llecs
New Accounts	1	atarvuzdar	153	‎02-13-2012 01:54 PM by my-own-fico
Will My Credit Score go down or up....HELP!!!	2	TeeandDee	257	‎02-13-2012 10:05 AM by TeeandDee
Totally confused about FICO ... please help	7	ariannasmommy	424	‎02-13-2012 07:06 AM by ariannasmommy
new account score increase?	2	Jake0215	198	‎02-12-2012 10:06 PM by haulingthescoreup
Credit Scores Question	3	bmiddaugh	324	‎02-12-2012 08:47 PM by MarineVietVet
Too many accounts	5	cantretire	358	‎02-12-2012 07:09 PM by cantretire
I'm very confused!	5	naf	245	‎02-12-2012 03:36 PM by naf
Moved: Changes to equifax scorewatch	0	MarineVietVet	104	‎02-12-2012 12:19 PM by MarineVietVet
EQ TU EX on new credit	2	my-own-fico	148	‎02-12-2012 07:32 AM by Revelate

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.