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	<title>Creditinfocenter Blog &#187; scoring models</title>
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		<title>Many Mortgage Lenders Have Yet to Adopt FICO 08</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/09/16/many-mortgage-lenders-yet-adopt-fico-08/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/09/16/many-mortgage-lenders-yet-adopt-fico-08/#comments</comments>
		<pubDate>Wed, 16 Sep 2009 14:21:13 +0000</pubDate>
		<dc:creator>Cindy</dc:creator>
				<category><![CDATA[Credit Bureaus and Scores]]></category>
		<category><![CDATA[Credit Reports]]></category>
		<category><![CDATA[credit delinquencies]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[credit scoring systems]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[FICO 08]]></category>
		<category><![CDATA[Mortgage Loans]]></category>
		<category><![CDATA[new FICO scoring system]]></category>
		<category><![CDATA[scoring models]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=3923</guid>
		<description><![CDATA[When Fair Isaac Corporation (FICO) rolled out their &#8220;new and improved&#8221; FICO 08 credit scoring model last year, hopeful consumers with single derogatory incidents on their reports anxiously awaited the possibility of improved credit scores under the new system. The updated scoring model, developed in part in response to the subprime mortgage crisis, minimizes the effect of small, missed payments listed in [...]]]></description>
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		<title>Red or White Wine? Your Choice Might Affect Your Credit Score&#8230;</title>
		<link>http://www.creditinfocenter.com/wordpress/2008/06/30/red-or-white-your-choice-might-affect-your-credit-score/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2008/06/30/red-or-white-your-choice-might-affect-your-credit-score/#comments</comments>
		<pubDate>Mon, 30 Jun 2008 15:16:32 +0000</pubDate>
		<dc:creator>Cindy</dc:creator>
				<category><![CDATA[Credit Bureaus and Scores]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Credit Reports]]></category>
		<category><![CDATA[CompuCredit]]></category>
		<category><![CDATA[consumer spending habits]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[credit scoring]]></category>
		<category><![CDATA[cut credit lines]]></category>
		<category><![CDATA[FTC lawsuit]]></category>
		<category><![CDATA[scoring models]]></category>

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		<description><![CDATA[Ok, that might be a bit extreme, but according to a recent article in businessweek, the lifestyle choices a consumer makes as far as spending habits may even affect their credit score.
It&#8217;s fairly common knowledge that some major factors that influence credit scores involve occupation, payment histories, public records, ratio of balance to available credit [...]]]></description>
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