In the 1980’s, the Fair Isaac Corporation (FICO) set up the first general purpose credit scoring system based on credit bureau information, in order to help standardize credit scores. It has since become known as the FICO score and the algorithm has been widely adopted in America. Other models include Vantage. Each credit bureau has its own system for scoring as well. The three major credit bureaus are Equifax, Transunion and Experian.
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