myFiCO: The Score That Matters
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myFiCO
Most people know what a credit score and rating is and most of us have a good idea of what our score is. What about your FICO score, though? In most cases, that is the true score that a lender will use when deciding credit worthiness and even terms and rates.
Your real credit rating is measured by your FICO score, so when you look at your credit report and score, you'll see different numbers from your true FICO score. If you use a service like MyFiCO score to find your rating, you're much more likely to know your true score and how lenders look at you.
Your real credit rating is measured by your FICO score, so when you look at your credit report and score, you'll see different numbers from your true FICO score. If you use a service like MyFiCO score to find your rating, you're much more likely to know your true score and how lenders look at you.
Credit Score
A FICO score is based on five basic categories: payment history, amounts owed, length of history, new credit, and the types of credit used. Most people don't know, but the FICO score used as the industry standard today was invented by myFiCO score and the median score today is 723.
Important!
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Credit Score and Rating
While you're credit report and score might say "750" as your score, your FICO score could actually be lower or higher than this depending on how the balance of factors works out. Most basic credit reports and score lists will only give a "score" based on three factors: payment history, amounts owed, and total credit available.While that score is good, it is not a total look at your credit worthiness like a FICO score is, which is why it's important to use services like myFiCO score to find out where you truly stand.
Important!
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I'd Love to Hear From You
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poddys
Apr 25, 2009 @ 6:23 pm | delete
- Useful information on finding out your credit score. Something we all ought to do. Haven't done mine for years.
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