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FICO XD is Changing the Way Consumers Build Credit

Titan Consulting

The new FICO XD scoring model retrieves information from sources like the National Consumer Telecom and Utilities Exchange to collect data on payments to utility, cell phone service, internet, and cable television providers and uses the payment history data from these and other sources to build a credit score.

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Understanding Why You Have So Many Different Credit Scores

Titan Consulting

Private companies use data retrieved from credit reports, combined with public records, to predict your risk to lenders in the form of a credit score. We work with consumers seeking debt consolidation loans, or who may be considering options like debt negotiation or bankruptcy. Here’s why: Who Decides Your Credit Score?