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.