New Member
SundanceMike
Posts: 3
Registered: ‎04-10-2007
To be clear, the scoring actually happens in each credit...
To be clear, the scoring actually happens in each credit reporting agency's computer system and is delivered simultaneously with the credit report.  FICO develops the scoring algorythm (or model) that is used to compute the score -- and each CRA has their own special FICO scoring model.  
 
My concern had to do with my missing credit history, all of which is positive and would only tend to increase my FICO score.
 
SundanceMike