n***h
发帖数: 1613 | 1 WHAT ARE THE CHANGES?
Fair Isaac Corp., the company behind FICO, says there are three significant
changes to its metric, which it says is used in 90 percent of U.S. consumer
lending decisions.
— Debts that go to collections agencies and get repaid won't count against
a consumer's FICO score.
— Medical debts will have a smaller effect on the score. If your only major
bad mark comes from unpaid medical debts, FICO says it expects your credit
score to go up by 25 points. (Scores range from 300 to 850.)
— A technique to analyze people's creditworthiness if they don't have much
of a credit history.
WHO WILL BE MOST AFFECTED?
Greg McBride, the chief financial analyst for financial services company
Bankrate, says the change will help many consumers, but it won't make a big
difference if you already have bad credit or very good credit. For consumers
with medical debt, this could be the difference between a decent score of
around 675 and a good one around 700, or a good score and a great one around
725.
http://www.foxbusiness.com/markets/2014/08/08/what-do-changes-i |
|
