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Credit Information

Credit Information

The credit score, commonly referred to as FICO score, is a tool created by the Fair Isaac Corporation.  The FICO score is a measure that is most commonly used by lenders to determine the risk involved in a particular loan.

Due to the proprietary nature of the FICO score, the Fair Isaac company does not reveal the exact formula it uses to compute this number. However, what is known is that the calculation is broken into five major categories with varying levels of importance. .

Scores range between 350 (extremely high risk) and 850 (extremely low risk).


The 3 major reporting agencies are:

Equifax
P.O. Box 105873
Atlanta, GA 30384
1-800-685-1111


Experian
P.O. Box 2014
Allen, TX 75013
1-888-397-3742

Trans Union
2 Baldwin Place, P.O Box 1000
Chester, PA 19022
1-800-888-4213

Here are just a few links for pulling your own credit
and obtaining what's in your credit report:

www.CreditReport.com

www.myFico.com

www.Fico.com

www.annualcreditreport.com