The difference was that lenders previously "relied on credit reports that documented an ... What changed that year was the introduction of the FICO score, the first generic credit scoring system.

In 1989, the Fair Isaac Corporation created the FICO® Score, which continues to be the most popular credit-scoring method that creditors use. According to a recent report from the FICO ...

Experian Boost® is a free feature that allows you to connect your utility and telecom accounts to your Experian credit report, which can potentially raise your FICO® Score. Free 13 points ...