The software that includes those industry-approved financial experience assumptions was created by the Fair Isaac Corporation (FICO). It is an industry standard. Your credit score is calculated using the same calculation that is used for everyone else in the country. There is no need to shop around for someone to recalculate and provide you with a better score.
- How are credit scores calculated?
- Is it a problem if my partner and I want to purchase a home together but we have dramatically different credit scores?
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- What is my credit score and why is my credit score important?