Credit Issues for Consumers  What is your credit score?  FICO: 
stands for the Fair Isaac Corporation.  It is the company that
created the most widely used credit score formula called FICO. 
It uses 22 pieces of data collected from 3 major credit bureaus
(Equifax, Experian, TransUnion).  Range of Credit Scores: 300
Lowest - 850 Highest  How are the factors weighted? 35% Payment
History 15% Length of Credit History 10% New Credit 10% Types of
Credit Used 30% Debt  *Income is NOT a factor in your FICO score
but it is likely a factor in determining your creditworthiness.
Negative factors remain in your credit report for 7 years.  The
use of credit scores has expanded greatly since their initial
purpose.  Most credit reports contain errors, so be careful!  In
addition to lending, credit scores are now being used for
apartments, housing, insurance quotes, background checks and job
interviews.   1.   Monitor your credit reports and credit score
from each of the 3 major credit bureaus at least once per year
to revi