Re: How do you determine FICO score from credit report? - Posted by David Butler America’s Note Network
Posted by David Butler America’s Note Network on May 15, 2000 at 20:42:37:
FICO Score - Experian (Beacon - Equifax; Empirica - Transunion) is determined by a computer model licensed to the three major credit bureaus, measuring approx 30 variables of an individual’s credit profile, weighting the results according to the model’s internal operating formulas, and then reconciled as a point total (i.e. the score). Subscribers pay extra for scored reports, and in most instances, an individual is not able to order a scored report for himself with regard to his own credit. But there are ways around that.
First, you might want to take a look at the extensive article I wrote on the subject (Understanding Credit Reports and Credit Ratings), at http://notenetwork.com/at.cgi?a=118510
Second, several smaller bureaus offer scored reports, and they are not always as set in their ways about who orders them… if you need to, you can have a local car dealer or landlord run one for you (reimbursing him of course). If you have a tough time with this, feel free to email me at and I’ll get a couple of places for you to call. Hope this helps.
David P. Butler Vice President, Broker Relations