Hi, I'm interested in the FICO score.  I will be using this score to
rate my customers for small loans.  What my question is:  Is there a
breakdown of the score and credit worthiness?  I understand as the
score is lower the higher the risk, but is there a more concrete scale
that gives additional infomation based on the level of the score.

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Request for Question Clarification by pafalafa-ga on 18 May 2006 16:46 PDT

This site shows how interest rates vary by FICO:


http://www.myfico.com/


and also shows some information about how the scores are compiled.


Is this the sort of information you're seeking?  If not, what
additional information do you need to make for a complete answer?


pafalafa-ga

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Clarification of Question by just4fun2-ga on 19 May 2006 16:21 PDT

I reviewed the site and it is not the type of info I'm interested in. 
I'm looking for a chart that shows the FICO with sometype of risk
assessment/outcome

Lets say I gave a job to someone with a FICO score of 400 - what does
that mean as an employee.  Stuff like that...

I hope this helps.

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Request for Question Clarification by bobbie7-ga on 19 May 2006 16:51 PDT

Just4fun,

Is this the sort of information you have in mind?


The chart below shows the likelihood of a ninety day delinquency for
specific FICO scores.


FICO Score      Odds of a Delinquent Account
585             2.25 to 1
600             4.5 to 1
615             9 to 1
630             18 to 1
645             36 to 1
660             72 to 1
680             144 to 1
700             288 to 1
760             576 to 1

http://maxpages.com/prestigemtgsvc/FICO_Credit_Scoring

http://charlottebythelake.com/fico.htm

I look forward to your clarification.

Bobbie7

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Clarification of Question by just4fun2-ga on 22 May 2006 10:07 PDT

Yes, information like that is what I'm looking for.

Dear Just4fun,

I'm pleased to have located the correct information for you.


I am reposting my findings below to make this answer official.

---------------------------------------------------------------


The chart below shows the likelihood of a ninety day delinquency for
specific FICO scores.


FICO Score      Odds of a Delinquent Account
585             2.25 to 1
600             4.5 to 1
615             9 to 1
630             18 to 1
645             36 to 1
660             72 to 1
680             144 to 1
700             288 to 1
760             576 to 1

http://maxpages.com/prestigemtgsvc/FICO_Credit_Scoring

http://charlottebythelake.com/fico.htm


Search terms:
FICO score scoring percent credit delinquent account

Best regards,
Bobbie7