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Credit Report and Score<br>Related Legal Information  

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Credit scoring models and Credit scores


Credit scoring models have been used by creditors for over 30 years. Credit scoring is a technology used by lenders to evaluate the credit risk when they lend money to a Consumer. Credit risk is measured by means of a score, which calculates a numeric value of creditworthiness of a Consumer, a creditor want to see. Credit score model is trying to predict, whether the Consumer is able to repay credit in future.
 
The Fair Isaac Company is the developer of the credit scoring models for the Credit Reporting agencies. This company has developed several slightly different Credit score models for each Credit bureau: Experian - FICO, Trans Union - Emperica, Equifax - Beacon.
 
The most popular model which is used by majority of creditors is FICO Score. The FICO score predicts the financial behavior of the Consumer for the next 90 days. The FICO score represents numerical value between 300 and 850. A higher Credit score means more chances to obtain credit with a lower APR.
 
There are a lot of models of credit scoring methods currently utilized, including: credit scoring, Consumer scoring, behavioral scoring and others.
 
There are also other Credit score models, which are adjusted to the industries where they are applied.
 
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