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UNDERSTANDING YOUR FICO SCORE

Taken together, these regulatory rules meant that the judgments of credit rating agencies became of central importance in bond markets. Banks and many other fifi nancial institutions could satisfy the safety requirements of their regulators by just heeding the ratings, rather than their own evaluations of the risks of the bonds. Because these regulated fifi nancial institutions were such important participants in the bond market, other players in the market—both buyers and sellers—needed to pay particular attention to the bond raters’ pronouncements as well. The irony of the regulators’ reliance on the judgments of credit rating agencies is powerfully revealed by a line in Standard & Poor’s standard. | Understanding Your FICOlScore mj FICQ Contents Your FICO Score A Vital Part of Your Credit Health.1 How FICO Scores Help You.2 Your Credit Report The Basis of Your FICO Score.3 How FICO Scores Work.5 What a FICO Score Considers.7 1. Payment History.8 2. Amounts Owed.9 3. Length of Credit History.10 4. New Credit.11 5. Types of Credit in Use.12 How the FICO Score Counts Inquiries.13 Interpreting Your FICO Score.14 Checking Your FICO Score.15 Checking Your Credit Report.16 Please note that FICO and myFICO are not credit repair organizations or similarly regulated organizations governed by the federal Credit Repair Organizations Act or similar state laws. FICO and myFICO do not provide so-called credit repair services or advice or give advice or assistance regarding cleaning up or improving your credit record credit history or credit rating. FICO and myFICO are trademarks or registered trademarks of Fair Isaac Corporation in the United States and or in other countries. Other product and company names herein may be trademarks of their respective owners. 2000-2011 Fair Isaac Corporation. All rights reserved. This information may be freely copied and distributed without modification for non-commercial purposes. 1557EB 11 11 PDF Your FICO Score A Vital Part of Your Credit Health When you re applying for credit whether it s a credit card a car loan a personal loan or a mortgage lenders want to know your credit risk level. In other words If I give this person a loan or credit card how likely is it that I will get paid back on time There are three major credit reporting agencies Equifax Experian and TransUnion in the United States that maintain records of your use of credit and other information about you. These records are called credit reports and lenders will want to check your credit report when you apply for credit. In most cases lenders will also want to know your credit score. WHO IS FICO _ Founded in 1956 FICO uses advanced math and analytics to help .