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FICO XD is Changing the Way Consumers Build Credit

Titan Consulting

The FICO XD scoring model now provides millions of consumers access to a credit score, that were once overlooked, mostly from a lack of data. Fico XD helps young adults, immigrants, and those with past credit challenges that resulted in closing all credit accounts. What Factors Does the FICO XD Consider.

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Understanding Why You Have So Many Different Credit Scores

Titan Consulting

However, if you follow your credit score from multiple sources, you will quickly realize that you have more than one score. Here’s why: Who Decides Your Credit Score? 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.