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How does each credit bureau calculate FICO score

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Anonymous
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How does each credit bureau calculate FICO score

I would like to know specifically from each credit bureau how they calculate their FICO score.

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Anonymous
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Re: How does each credit bureau calculate FICO score


@Anonymous wrote:

I would like to know specifically from each credit bureau how they calculate their FICO score.


@Anonymous Welcome! To be honest they do not. Fico licenses them a black box, it goes in one side and out the other side comes the score and the negative Reason Codes. 

now if you'd like to know how the fico black box works, I suggest you read the Scoring Primer linked at the top of my signature.

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Anonymous
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Re: How does each credit bureau calculate FICO score

The bureuas don't calculate the scores... they provide the data that gets fed into the Fico algorithm being used which then outputs a score.

 

Above you were linked a thread where you can find much of what is known as far as score ingredients/factors... but knowing exactly how a score is calculated isn't possible due to that information being a secret.

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