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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.

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 ...

www.myfico.com/credit-education/credit-score-versions

FICO Score versions include both model updates and industry-specific FICO Scores. At myFICO, we offer the FICO Score versions that most lenders use to make ...

www.myfico.com/credit-education/whats-in-your-credit-score

Understand how credit scores are calculated through this simple FICO Credit Score Chart.

www.myfico.com/crediteducation/fico-score-8.aspx

As a result, FICO has redeveloped its credit scoring models several times to make sure they remain robust predictors of credit risk. FICO also makes sure new  ...

www.forbes.com/sites/robertberger/2017/01/06/which-credit-score-do-lenders-actually-use

Jan 6, 2017 ... The orders explained that the credit score models most often used by ... You may know these scores by their common name, FICO scores.

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

Oct 27, 2016 ... You don't have just one credit score — you have hundreds, and they change constantly. Here's what differentiates FICO from the rest.

www.moneyunder30.com/different-fico-scores

Jan 19, 2016 ... Vantage scores provide an alternate version of your FICO score, one ... of in- house credit scoring model, not to replace FICO scores, but as an ...

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

Mar 10, 2017 ... Learn what FICO stands for, what a FICO credit score is and how to get ... scores, compared to other credit scoring models and previous FICO ...

www.bankrate.com/finance/credit/what-is-a-fico-score.aspx

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 ...