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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/credit-education/fico-score-8-and-multiple-versions-of-fico-scores

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  ...

ficoforums.myfico.com/t5/Understanding-FICO-Scoring/The-many-flavors-of-FICO-Editions-versions-and-variations/td-p/1197617

The FICO scoring model with its familiar range of 300 to 850 was first introduced in 1989. Since then, FICO has released five major revisions: 1995, 1998, 2004, ...

www.myfico.com/credit-education/credit-scores

FICO® Score is the credit score most lenders use to determine your credit risk. Understand how all three of your FICO® Credit Scores are calculated.

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.doctorofcredit.com/credit-scores/fico-score

A classic FICO score is a three digit number between 300 and 850, industry .... There is a total of six NextGen scoring models (two for each of the credit bureaus) .

www.forbes.com/sites/rohitarora/2016/03/21/how-to-improve-upon-the-fico-scoring-model

Mar 21, 2016 ... Traditionally, managing credit risk for small and medium businesses (SMBs) has been a challenge due to the tremendous diversity across such ...