Overview

FICO

Developed and owned by FICO
Custom built for each bureau
Requires at least 1 account older than 6 months, that has been reported within the prior 6 months
Multiple inquiries in 45 day window treated as single inquiry if for the same type of credit product

Joint-venture owned by “Big 3” credit bureaus
Same model used by all 3 bureaus
Requires at least 1 account older than 1 month, that has been reported within the prior 24 months
Multiple inquiries within 14 day window treated as single inquiry regardless of type of credit product

scoreModel.source - DataSource! non-null

The Data Source that this model originated from, not always the same as where the score value data itself originated from.

scoreModel.name - ModelName! non-null

The model used for scoring.

scoreModel.identifier - String

The identifier of the model used at the data source.

scoreModel.description - String

Human readable description used at the data souce for the specific model.

scoreModel.indicator - String

Indicator code specific to the data origin (ie. equifax's type code for the score model).