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FICO -- friend or foe?

If you have credit, you have a credit score (commonly called a FICO score). It's computed using your credit reports and influences an ever-increasing number of lending decisions. Since it's such an important document, it's accurate -- right? Think again.

Understanding credit scores
What in the world is a FICO score?
FICOs take into account five factors when evaluating your credit worthiness.
Credit scores explained
Everything you ever wanted to know about the magic three-digit number called a credit score.
Bad credit -- it can cost you in more ways than you think
One late payment can cost you across the board.
5 steps to improving your credit score
A guide to cleaning up your credit report and increasing your score.
Credit repairing FAQ
Bankrate experts tackle some of the more frequently asked questions dealing with credit problems.
Repairing your credit: go it alone or hire someone?
You can't erase history, no matter what the ad says. Here's what credit repair services can and cannot do for you. And, what you need to know before signing up.
Credit reports explained
Every consumer who's ever made a purchase with credit has at least one credit report. Here's how they work.
How to read and understand your credit report
You ordered your report, now what?
7 steps to fixing your credit report
Identify mistakes and clear them up before they cause you problems. Here's how.'s corrections policy
-- Updated: June 2, 2003

Credit Cards
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