Comments on: What is the FICO score regarding to credit and how do u get it? http://free-credit-reports-annual.com/fico-scores/what-is-the-fico-score-regarding-to-credit-and-how-do-u-get-it/ Free annual credit report tips and how to get your free credit score (FICO or comparable) without spending a dime Thu, 09 Sep 2010 19:34:06 +0000 hourly 1 http://wordpress.org/?v=3.0 By: Jose V http://free-credit-reports-annual.com/fico-scores/what-is-the-fico-score-regarding-to-credit-and-how-do-u-get-it/comment-page-1/#comment-247 Jose V Fri, 26 Feb 2010 00:54:31 +0000 http://free-credit-reports-annual.com/193/what-is-the-fico-score-regarding-to-credit-and-how-do-u-get-it/#comment-247 FICO score is the score that most lenders use. You can see it at myfico.com for Transunion and Equifax with a one time fee, Experian is being a b!+ch and not letting consumers buy their FICO credit score. Any score from any other website is a FAKO score which just estimates your score but doesn't use the same formula to calculate your score like FICO does FICO score is the score that most lenders use. You can see it at myfico.com for Transunion and Equifax with a one time fee, Experian is being a b!+ch and not letting consumers buy their FICO credit score. Any score from any other website is a FAKO score which just estimates your score but doesn’t use the same formula to calculate your score like FICO does

]]> By: echo http://free-credit-reports-annual.com/fico-scores/what-is-the-fico-score-regarding-to-credit-and-how-do-u-get-it/comment-page-1/#comment-246 echo Tue, 23 Feb 2010 19:43:28 +0000 http://free-credit-reports-annual.com/193/what-is-the-fico-score-regarding-to-credit-and-how-do-u-get-it/#comment-246 Spif, as usual, gave a great example of how it's broken down. If you haven't gone to myfico to get your scores then you should. You won't be able to get your Experian score but you can get your other two. When you go to apply for the house you can ask the lender if they will verbally give you your EX score, they cannot give you the paper the score is printed on though. Spif, as usual, gave a great example of how it’s broken down.

If you haven’t gone to myfico to get your scores then you should.
You won’t be able to get your Experian score but you can get your other two.
When you go to apply for the house you can ask the lender if they will verbally give you your EX score, they cannot give you the paper the score is printed on though.

]]> By: SPIFIMAN1 http://free-credit-reports-annual.com/fico-scores/what-is-the-fico-score-regarding-to-credit-and-how-do-u-get-it/comment-page-1/#comment-245 SPIFIMAN1 Sat, 20 Feb 2010 10:19:04 +0000 http://free-credit-reports-annual.com/193/what-is-the-fico-score-regarding-to-credit-and-how-do-u-get-it/#comment-245 FICO scores from 300 to 850 with anything that calculates to below 300 defaulting to a 0. Scores are based on the following factors; 1. Payment history 35% 2. Time in bureau 15% 3. Types of credit 10% 4. New credit 10% 5. Debt to credit ratio 30% To have the very best score and profile people need 3-4 credit card accounts (revolving) with balances below 30% of their limits and 2 cars, boats, homes, motorcycles, computer, furniture or personal accounts (installment) all with good long pay history's. FICO scores from 300 to 850 with anything that calculates to below 300 defaulting to a 0.

Scores are based on the following factors;

1. Payment history 35%
2. Time in bureau 15%
3. Types of credit 10%
4. New credit 10%
5. Debt to credit ratio 30%

To have the very best score and profile people need 3-4 credit card accounts (revolving) with balances below 30% of their limits and 2 cars, boats, homes, motorcycles, computer, furniture or personal accounts (installment) all with good long pay history’s.

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