Credit risk assessment is largely a job for credit score algorithms, mass market models and systems that are relatively new in terms of the modern credit industry’s lifespan. The FICO score ...

Credit scores are calculated from information on your credit reports by credit-scoring algorithms like FICO and VantageScore. The main factors that affect credit scores are payment history ...

VantageScore, the second most popular credit scoring algorithm, uses the same general factors weighted differently to determine your overall score. The breakdown of contributing factors is as follows.

Stay ahead with the latest updates on the credit score algorithm in 2025. Find out valuable screening insights every landlord should know.

Overall, they were leery of following low risk scores for defendants accused of offenses like sexual assault and intimate partner violence — sometimes because they believed the algorithms under ...