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Whether you are seeking a home or car loan, phone service or new credit cards, most creditors look at credit scores, or FICO scores, to determine their risk. Ranging from 300 to 850 points, FICO scores are calculated using a mathematical model that assigns points for different pieces of information that predict the way you will handle credit.
What is FICO? A FICO score is a credit score developed by Fair Isaac & Co. Credit scoring is a method of determining the likelihood that credit users will pay their bills. Credit scoring
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Readers Question
Denise asks:
My mother has very bad credit and is looking for a personal loan. She has spoken
with three companies that have offered to help her. They each advised her that
she would have to pay to insure the loan. She is attempting to borrow $15,000
and the three companies are asking for around $1,300 dollars to insure the