Learn more about our FICO credit report, used by lenders to help make accurate, reliable, and fast credit risk decisions across the customer lifecycle.
Get your credit score at no charge! Discover Scorecard gives you your FICO® Score for Free with no harm to your credit. Learn more.
Get your credit score at no charge! Discover Scorecard gives you your FICO® Score for Free with no harm to your credit. Learn more.
FICO scores are credit scores but not all credit scores are FICO scores. Learn the difference between credit score types to better understand your creditworthiness.
1、FICO score,在美国,大约90%向retail customers提供信贷的借贷人使用,其计算分数的算法包含以下五个主要因素:(1)35%的历史付款记录(2)30%的债务负担(3)15%的信用记录长度(4)10%的信贷类型(5)10%的最新信贷查询 FICO这家公司还会披露分数的分布,从300到850分之间 ...
FICO® score is similar to a credit score in that they both take info from your credit reports. Discover the difference between the two and how they affect you.
FICO Open Access allows you to share FICO Scores with your customers from your credit score database that's already used for account lending decisions.
have a good credit score, you’ll pay less interest and your request will be more likely to get approved. According to Fair Isaac, the FICO score is used in 75% of residential mortgage applications. If you want to get the best interest rates, you should have a good credit score over ...
Some Lenders Use VantageScore, Not FICO Not all credit scores are FICO scores. TheVantageScoreis a scoring model created by a collaboration among the three major credit bureaus. It's not as widely used as the FICO score but it has caught on among free credit score providers.4 ...
8. 垄断和创新限制：FICO评分在美国信用评分体系中的主导地位可能限制了更新和更具创新性模型的发展和应用。9. 替代模型的竞争：市场上出现了如VantageScore等替代信用评分模型，这些模型可能为未被FICO评分覆盖的消费者提供信用评估。10. 监管压力：美国政府提出的提案，如加强征信机构监管和建立公共消费者征信机构，...