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Discussion in 'Credit Talk' started by texan, Sep 27, 2003.
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Q: What is a credit score?
1*A: A credit score is a snapshot of your credit risk picture at a particular point in time stated as a number
Q: Why do lenders use credit scores?
2*A: Credit scores give a fast and objective measurement of credit risk.
3* Credit risk refers to the risk to the lender that the borrower will not repay the loan as agreed.
Q: How are credit scores calculated?
4*A: credit score is calculated by a mathematical equation that evaluates information from a credit report.
5*By comparing this information to the patterns in hundreds of thousands of past credit reports, the score predicts the future level of credit risk.
From the University Federal Credit Union - Austin, TX:
1*Nope it's an indicator of profitability which has nothing to do with risk.
2*Wrong again. It's merrily an indicator of how profitable of a customer you've been for lenders and insurers.
3*Which has nothing to do with FICO.
4*70% of which is inaccurate.
5*Scores based on information that's 70% incorrect can't predict jack! But Scores are a convenient excuse for unjustified overcharging
Get the real scoop on FICO click here:
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