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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.forbes.com/sites/nickclements/2015/06/03/fico-defends-credit-score-model

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 ...

www.forbes.com/sites/robertberger/2016/08/28/fico-9-what-you-need-to-know-about-the-latest-credit-score

Aug 28, 2016 ... FICO 9 introduced three important changes to credit scores. ... substantial testing of any new scoring model, and this takes time and money.

www.creditcards.com/credit-card-news/help/5-parts-components-fico-credit-score-6000.php

In the land of credit scores, FICO is king. The bulk of banks in the United States use FICO scores to decide whether to offer credit to potential borrowers and at ...

www.moneyunder30.com/different-fico-scores

Jun 15, 2016 ... The difference between vantage scores and your FICO score ... in-house credit scoring model, not to replace FICO scores, but as an additional ...