Having a FICO score and knowing what it is is essential to managing your finances. The is the number that every credit bureau will use to determine if you have good or bad credit and they will assign you a credit score. The system used to find this number is very in depth and can be quite confusing but if you know how it all works, it can also be used very much to your advantage. Knowing how the FICO system works is the key to keeping you credit above par.

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Credit scores are critical components of our monetary life. The difference between having a high score and a minimal score can mean a massive discrepancy when it comes to getting credit, from the interest rate you pay to whether you are able to obtain the credit at all.

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