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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 ...

FICO Credit Score Chart: How credit scores are calculated

www.myfico.com/crediteducation/whatsinyourscore.aspx

The percentages in the chart reflect how important each of the categories is in determining how your FICO Scores are calculated. Your FICO Scores consider ...

FICO® Score 8 - myFICO.com

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

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

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

money.usnews.com/money/personal-finance/articles/2015/01/06/a-guide-to-credit-scoring-models

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., ...

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 ...

FICO Score - Everything You Need To Know | Bankrate.com

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 ...

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 ...

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  ...

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 ...

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 Versions: The Different Credit Scores - myFICO.com

www.myfico.com

To keep up with behavioral trends of consumers and to suit the evolving needs of lenders, the FICO<sup>®</sup> Score model has been redeveloped over the years.

My Credit Score: Understanding All 3 FICO Credit Scores | myFICO

www.myfico.com

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

Finally: Anyone Can Get Their Official FICO Credit Score For Free

www.forbes.com

May 20, 2016 ... Banks have been using FICO credit scores, largely in combination with their own proprietary models, for decades. So long as FICO continues to ...