FICO: This stands for Fair Isaac and Company which created the formula used by bureaus to evaluate the performance of borrowers. They make their money from informing financial institutions the level of risk they are taking when lending you money.Your Pay History: FICO uses your pay history among other things to judge your reliability in paying loans if the banks give you one. Since your pay history makes up a third of your score, which is also 35 percent, you should know from now on that any
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