1. The main users of Fico credit scores are banks they use it to keep track of your credit scores to see if you are able to obtain a loan.

2. Piggybacking is the allowing of someone else to polish their credit on your good credi scores.

3. 5 factors that determine credit scores Payment history, types of credit scores, number of credit openings, and inquires,

4. Fico scoring model differs from the last years because they will see their credit scores go up rather than go down!