Length of Credit History
Recent or New Credit
Types of Credit Used
In today’s complex macroeconomic and regulatory environment, lenders are more challenged than ever to safely and profitably grow their mortgage portfolios.
FICO Scores are used by more businesses to manage risk and uncover opportunities through the customer life cycle
**How a FICO Score breaks down:
|FICO credit score chart|
|35% Payment History||30% Amount Owed||15% Length of Credit History||10% Recent or New Credit||10% Types of Credit Used|
**These percentages are based on the importance of the five categories for the general population. For particular groups—for example, people who have not been using credit long—the relative importance of these categories may be different.
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Items that we have removed
|Identity Theft||Liens||Foreclosures||Short Sales|
|Charge Offs||Student Loans||Inaccurate Information||Inquiries|
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