Guide to FICO Scores

  • CHAPTER: 1 Introduction to Credit Scoring

    Your credit score is a numerical value that reflects how well you've managed your credit over the last seven to 10 years. Lenders use your score to help them decide how risky you are as a borrower.

  • CHAPTER: 2 Credit Reporting

    The information in your credit report is the source data for your FICO score. If you're motivated to improve your FICO, you should start with a thorough understanding of your report.

  • CHAPTER: 3 Understanding FICO Scoring

    Fair Isaac Corporation doesn't publicize its exact computations, but it does outline the factors that affect your FICO score. These are:

  • CHAPTER: 4 Monitoring and Improving Your FICO Score

    It's a good idea to check your FICO scores if you're planning a major debt purchase, like a mortgage loan or refinance.

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