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Knowing what goes into your FICO credit score can help you improve and protect it. Named for the data analytics company—Fair, Isaac and Company—that came up with the score as a way to measure consumer credit risk, the FICO is the standard in consumer lending in the United States.
That three-digit number between 300 and 850 can influence your ability to get a loan for large purchases such as a home or car. Some employers even use credit scores in making hiring decisions. The higher the number, the better the score. So let’s look at a percentage breakdown of what determines your FICO credit score.
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