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Credit score in the United States

en.wikipedia.org/wiki/Credit_score_in_the_United_States

The FICO score was first introduced in 1989 by FICO, then called ... The FICO model is used by the vast majority of banks and credit ...

What's in your Credit Score - myFICO.com

www.myfico.com/crediteducation/whatsinyourscore.aspx

Comparing FICO and Other Credit Scores - NerdWallet

www.nerdwallet.com/blog/finance/comparing-credit-scores/

Sep 12, 2016 ... You don't have just one credit score — you have hundreds, and they change constantly. Here's what differentiates FICO from the rest.

What Does FICO Stand For? What is a FICO Score? - Credit.com

www.credit.com/credit-scores/what-does-fico-stand-for-and-what-is-a-fico-credit-score/

Sep 19, 2013 ... All of these factors are considered in other credit score models, so it's safe to say that if you have a strong FICO score you likely have a good ...

Understanding Credit Score Differences | Credit Karma

www.creditkarma.com/article/differentscores

It has since become known as the FICO score and the algorithm has been ... The credit bureau can use dozens of different credit score models based on the ...

What is a FICO score? > Consumer Financial Protection Bureau

www.consumerfinance.gov/askcfpb/1883/what-is-fico-score.html

Today, other companies also have credit scoring formulas (“models”), but most lenders still use FICO scores when deciding whether to offer you a loan or credit  ...

Why FICO's new credit model won't boost your score - MarketWatch

www.marketwatch.com/story/why-ficos-new-credit-model-wont-boost-your-score-2014-08-08

Aug 11, 2014 ... FICO has changed its credit-scoring model by putting less focus on medical debts and will give consumers a break on their score if they've ...

The Difference Between VantageScore and FICO Scores | Experian

www.experian.com/blogs/ask-experian/the-difference-between-vantage-scores-and-fico-scores/

Jul 18, 2016 ... The VantageScore and the FICO score are two different scoring models. The VantageScore was developed by all three credit reporting ...

FICO® Score and Model Risk Management Methodology

www.fico.com/en/wp-content/secure_upload/FICO_Score_and_Model_Risk_Management_Methodology_3044FS.pdf

Under FICO's model risk management methodology, the FICO® Score is a ... examiners that credit risk scoring models were built according to federal guidelines, ...

FICO® Score and Model Risk Management Methodology | FICO®

www.fico.com/en/latest-thinking/white-papers/fico-score-and-model-risk-management-methodology

FICO® continues to lead the predictive analytics market by using best practices in the development and validation of credit risk models, as prescribed by ...

Answer
Fair Issac maintains that their model is a proprietary system, but things which can affect your credit score include maxed-out cards, 30-day late payments, debt settlements, foreclosure and bankruptcy.
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FICO Score - Everything You Need To Know | Bankrate.com

www.bankrate.com

Jun 18, 2015 ... Well, most FICO scores -- and many of its competing models -- utilize a 300- to 850-point range to grade consumers. There's no hard or fast rule ...

FICO Defends Credit Score Model - Forbes

www.forbes.com

Jun 3, 2015 ... In May, the Consumer Financial Protection Bureau (CFPB) released a report on " credit invisibles." The CFPB revealed that 11 percent of the ...

A Guide to Credit Scoring Models | Personal Finance | US News

money.usnews.com

Jan 6, 2015 ... Different scoring models weigh certain factors more heavily than others. FICO scores are used in 90 percent of lending decisions in the U.S., ...