EPISODE · Jul 25, 2025 · 3 MIN
FICO 10 & 10T: How To Outshine Any Updates?
from The Credit Pros Podcast · host The Credit Pros
FICO 10 and FICO 10T are new credit scoring models introduced in 2020, focusing on trended data over the last 24 months to evaluate creditworthiness. These models place greater emphasis on late payments and credit utilization, affecting scores differently based on an individual's current credit range. To mitigate the impact of these models, individuals are advised to align with credit scoring factors, regularly check for credit report errors, and consider hiring a credit repair agency like The Credit Pros to manage and improve their credit scores.
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FICO 10 & 10T: How To Outshine Any Updates?
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