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Uncovering hidden credit scores

Most people have heard of credit scores. These three-digit numbers pervade our financial lives, and either help or damage our ability to get attractive rates for credit cards, loans and insurance.

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They aren't the only analytic numbers issuers use to evaluate credit cardholders, though. John Ulzheimer worked for seven years at Fair Isaac and six years at Equifax (one of the three major consumer reporting agencies) and is the author of "You're Nothing but a Number." He tells us issuers use "countless" scores on consumers.

Using this reporter as a hypothetical example, Ulzheimer walks us through the lifecycle of scores used on a credit cardholder.


Hidden credit scores
 
 
Next: "What other analytic scores are card issuers using?"
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