When people check their credit score, should it be by Credit Karma or on their Discover statement, etc., they look at the three-digit number. They...
Why Are My Credit Scores Different?
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Credit Scores And Mortgages: Here Is What You Need To Know
Shopping for a mortgage but got bad credit? You are not alone! I invited a great mortgage expert Chaim Tarkieltaub from Mint Capital to explain the...
Intoducing FICO® Resilience Index
What is FICO® Resilience Index? Fico now has another tool to calculate how consumers use credit. The FICO® Resilience Index was created specifically...
The New Fico Scoring Model: Fico 10/FICO 10T– What’s Changing?
Fair Issac and Co., the company that created the Fico score, announced in a recent press release that they will make available their newest scoring...
Experian Boost
Experian recently announced a new program that will help consumers who don’t have any credit scores. The program is called Experian Boost. Until now...
Leaked Fico Document – Reasoning Codes
Which Factors Does Fico Use To Calculate Your Credit Score In this day in age, where transparency is at a very high level, it may sound very...
Fico XD- Introducing Alternate Data
Traditional Fico scoring models only factor in information found on a consumer’s credit report. A traditional Fico score can only be generated if...
Understanding the Fico Scorecards
People ask, how much will a late payment affect my credit score? 100 points? 150? What affect will high utilization have on my credit score? The...
Which Credit Score Model Is Used When Applying For A Mortgage?
As discussed in past posts, there are many different scoring models within each company resulting in different credit scores. When applying for a...