Tag Archives: FICO scoring secrets

FICO Scoring Policies: A Deep Dive

FICO Scoring Policies: A Deep Dive Employees of the dominant Credit Scoring System…FICO…are required to sign a confidentiality agreement to protect those company policies that they wish to keep secret.  In my personal quest to gain as much information as I can about FICO Scoring policies I try to interview ex employees to see how

Top 10 Things NOT in your FICO Score

  Top 10 Things Not in Your FICO Score OK.  You’ve been doing your home work and you know what goes into your FICO score.  Now let’s consider what does not go into your FICO score. Race, color, religion, national origin, marital status. Age. Salary, occupation, title, employer, date employed or employment history that has

Sinking FICO Nuked by Spendthrift Spouse

Sinking FICO I am writing about this subject not because I want to or like to talk about money and its effect upon relationships.  No, I am writing about this because the effect of finances on relationships pervades our lives.  The subject can be taboo because of the stress it causes.  Resentments are often repressed

FICO 8 of 760 and Beyond: Becoming a Major Leaguer

FICO 8 of 760 and Beyond: Becoming a Major Leaguer FICO 8 of 760 and Beyond:  Becoming a Major Leaguer For the purposes of this article I am going to assume that you have absorbed the lessons contained in my book available at onhomebuyingandcreditrepair.com and have a more than passing acquaintance with my postings on

Auto Loans Use FICO’S Auto Enhanced Score

Auto Loans Use FICO‘s Auto Enhanced Score FICO has a separate scoring system for automobile loans. Auto loans use FICO’s Auto Enhanced Score.  There are different factors inputted than are used for your regular FICO score known as your Classic FICO or Beacon score. If you have no record of some type of installment loan

Top Ten Steps to a Higher FICO Score

Top Ten Steps to a Higher FICO Score Let’s get back to basics and review  the top ten steps to a higher FICO score.  Everyone seems to love top 10 lists so who am I to buck the trend? These are the top ten steps to a higher FICO score. This is the game plan