FICO Score 9
A FICO scoring model released in 2014. FICO 9 excludes paid collection accounts entirely and reduces the weight of medical collection accounts in the score calculation. Not yet as widely used as FICO 8, but some lenders have adopted it.
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- FICO Score 8
The most widely used version of the FICO scoring model, released in 2009. FICO 8 is the standard used by most credit card companies and many lenders. It places more emphasis on high credit card utilization (above 30% per card) and is more forgiving of isolated late payments.
- FICO Score
A three-digit number ranging from 300 to 850 that represents your creditworthiness, calculated by the Fair Isaac Corporation (FICO) using data from your credit report. Used by 90% of top US lenders to evaluate loan and credit card applications.
Frequently Asked Questions About FICO Score 9
What does FICO Score 9 mean?
A FICO scoring model released in 2014. FICO 9 excludes paid collection accounts entirely and reduces the weight of medical collection accounts in the score calculation. Not yet as widely used as FICO 8, but some lenders have adopted it.
Is FICO Score 9 important for my FICO® score?
Understanding FICO Score 9 helps you manage your credit profile more effectively, which in turn supports a stronger FICO® score.