The Evasive FICO Equation

[Nick777]

Hello all, I was wondering if anyone has the equation, or the program used to determine FICO scores. I understand the relative percentages, and you could use this to get close to coming up with your own FICO score, but I wonder if anyone has the exact method of doing this, so people could calculate their own based on their credit reports. Anyone?

[Anonymous]

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@Nick777 wrote:
Hello all, I was wondering if anyone has the equation, or the program used to determine FICO scores. I understand the relative percentages, and you could use this to get close to coming up with your own FICO score, but I wonder if anyone has the exact method of doing this, so people could calculate their own based on their credit reports. Anyone?

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See this thread:

http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&thread.id=2325

Kenneth knows.

Message Edited by Revike on 05-31-2007 07:07 PM

[Tuscani]

LOL

[Anonymous]

Ahh. Reminds me of my self a few months ago. Oh how I have aged on this forum. :-) Believe it or not. Many of the formula factors are public. Just keep reading and you are bound to pick up some of them here. :-) It's just that the formula works different for everyone. So no way to really say this or that.

[Anonymous]

In a nut shell, high credit card limits - low usage, many different types of accounts big and small, and very old credit cards. That will be $500,000.00 You can wire it to someone with a wire account. :-)

[fused]

FICO reads our threads and posts and makes changes accordingly.  Next week it might be better to have 50% util instead of 1-9%, an AU will benefit less and having more inquiries tied to a specific TL will count for something.

[Tuscani]

[Anonymous]

e**-st has always been the part I struggle with...

[fused]

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Tuscani wrote:

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Hey let me proof this one.  Just give me several minutes.  Good post though!

[Anonymous]

Cute.