小知识
What Is a FICO Score?
A FICO score is a type of credit score created by the Fair Isaac Corporation. Lenders use borrowers' FICO scores along with other details on borrowers' credit reports to assess credit risk and determine whether to extend credit. FICO scores take into account various factors in five areas to determine creditworthiness: payment history, current level of indebtedness, types of credit used, length of credit history, and new credit accounts.
FICO信用分是由 Fair Isaac Corporation 创建的一种信用评分。贷款人使用借款人的 FICO 信用分以及借款人信用报告的其他细节来评估信用风险，并决定是否提供信贷。Fico 评分考虑了五个方面的因素，以确定信用可靠性: 支付历史、当前负债水平、使用的信用类型、信用历史的长度和新的信用账户。
FICO scores range between 300 and 850. In general, scores above 650 indicate a very good credit history. In contrast, individuals with scores below 620 often find it difficult to obtain financing at favorable rates. To determine creditworthiness, lenders take a borrower's FICO score into account but also consider other details such as income, how long the borrower has been at his job and type of credit requested.
FICO 信用分范围在300到850之间。一般来说，评分高于650表示信用记录良好。相比之下，分数低于620的人往往发现很难以优惠利率获得贷款。为了确定信用的可靠性，贷款人除了考虑借款人的 FICO 评分之外，也考虑如收入，工作年限和贷款类型等其他细节。
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