I just found on the same part of that FTC web site a thingy called "Transcript of Public Forum" (http://www.ftc.gov/bcp/creditscoring/creditscorexscript.pdf) - it is an actual explanation of the slides, including the one LK posted. Slide 8 explanation begins in the last paragraph on page 17. I quote: "This is a sample - and let me stress a sample - of what a credit - the guts of a credit scoring system, the credit scorecard itself, might look like. It is not an actual credit scoring scorecard, so don't go home and try to score yourself on this and get into major tiz about your score". So, that totally explains why some things do not make sense. And if some don't, I do not recommend relying too much on any of them. After that paragraph, the speaker talks about the scorecard, like, what the red jagged line means, or what "NI" stands for, but very little does he say about the factors affecting the score. Even though the slides and the transcript looses a lot of glamour, I still think it is very interesting and educating, at least the part Iâ??ve read so far.