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Credit Scoring Models
 
A credit score is a number that ranks a consumer's credit risk based on a statistical evaluation of information in the consumer's credit file, information that has been proven to predict loan performance. In layman's terms, a credit score is simply a number that represents the risk that you will default on a loan, using your prior payment history as a benchmark.
Scoring models and financial goals

Scoring Models and Financial Goals
 
Each mathematical algorithm used to calculate credit scores is unique, so we work with our clients to identify their personal goals and work to restore their individual credit to best fit their upcoming loan. For example, if your goal is to purchase a new home, then your credit restoration plan should focus on improving your FICO score, the score used by mortgage lenders.