Which Credit Score is most widely used?

Credit Score Confusion Leads to Controversy


While banks and other lenders may subscribe to or access many different scores, the FICO score, created by Fair Isaac Corp. , is by far the most widely-used, by more than 90% of lenders, according to the lawsuit. Its popularity is in part due to the fact that Fair Isaac developed the first general risk credit score in the late 1980s, says John Ulzheimer, president of consumer education at SmartCredit.com , a credit monitoring site. "It's really your FICO score that matters."

Comment: Sample (image above). Visit the MyFico site. For an explanation of the scoring.


  1. Hello Jim. Speaking of controversy, this has nothing to do with the topic of credit scores, but I'm just putting it here because it's the most recent entry on your site where you might see it. I just saw some very strange rumors connected with another nameless site which I think you're familiar with. Can that be true? Please delete this post if it's out of line.

  2. I'm hearing a lot of stuff too. But I prefer to stay out of that discussion on this blog.

  3. Fair enough. Please feel free to erase this thread.


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