FICO was one of the first companies to develop credit risk scoring models, called FICO Scores. Lenders can use these numbers to assess risk and decide whether to approve a credit application.
When a company reviews your application for a new loan, credit card or line of credit, it will often request a copy of one of your credit reports. The information in the credit report can help the company understand the risk associated with lending you money. However, there’s a lot of information to weed through. […]
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