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How Does FICO Work?

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how does fico work? fico score explained dave ramsey budgeting fico score vs credit score fico credit score fico work credit credit score dave ramsey ramsey fico score show dave ramsey show dave ramsey baby steps dave ramsey financial peace university dave ramsey live money debt ramsey solutions up the dave ramsey show dave desk worker taskwork haddest crack hearts flowers hadst crack haddest a crack hadst a crack desk work according to what after what precedent by means of by virtue of what by what means by what method by whose help from what source through what agency through what medium to what degree whence whereby wherewith by which how through which at which point in what respect where cause motive mystery proof wherein why Drop gun H.O.W. 'how' How accomplish achieve act close complete conclude create determine end execute finish make move operate perform prepare produce succeed undertake work arrange cause cook discharge effect fix fulfill organize transact be responsible for bring about engage in get ready get with it go for it look after make ready pull off see to take care of business take on wind up wrap up abandon abstain bear begin commence destroy discourage dissuade fail forget give up halt hesitate idle ignore introduce lose miss neglect prevent ruin start stop disarrange disorder disorganize disturb defer pass put off undo satisfy answer serve avail suffice suit pass muster be adequate be enough be good enough for be of use be useful give satisfaction dissatisfy resolve work out render transpose decode adapt decipher translate interpret transliterate puzzle out quit play go on appear give manage conduct carry present fare portray comport seem discourse demean impersonate deport enact get along get by make out muddle through put on personate playact acquit oneself come on like render the role stagger along take direct withhold refrain cover track traverse journey tour explore look at pass through stop in beat flimflam fleece dupe hoax bilk trick overreach deceive gyp con cozen defraud swindle chouse take for a ride offer D.O Drop gun 'do foci fix flic foo fuck fiasco fido fig finca flick dick fichu fidi fini five loco fib fin fir fit fro icu pic sic tic fact figs fink face fiat fife file fill fine fire firm firn firs fish fizz hick kick lick nick pica pick rick sick tick c o co2 c.o. c. o. FICO Drop gun fico effort endeavor industry job performance production struggle task trial assignment attempt commission drudge drudgery exertion functioning grind grindstone moil muscle obligation pains push servitude slogging stint stress striving sweat toil travail trouble undertaking daily grind elbow grease salt mines fun idleness laziness unemployment entertainment failure loss pastime act avocation bag ballgame bit deed enterprise game hobby labor occupation project racket scene scheme stunt trip venture work zoo action activity auspices channel efficiency force influence instrument instrumentality intercession intervention means mechanism mediation medium operation organ vehicle clarify conform correlate correspond crack deal with dope dope out elucidate fill fit lick measure up meet pass qualify satisfy serve suffice suit unzip work through duty art office practice trade thing responsibility skill employment slot livelihood calling profession commitment contract walk gig craft pursuit line vocation swindle métier specialization line of business nine-to-five irresponsibility recreation inactivity hate ignorance indolence function product creation piece oeuvre handicraft opus application article output composition handiwork end product ruin destruction pursue manage drive try strive manufacture specialize slave scratch freelance dig ply moonlight strain slog report hustle buckle down carry on knuckle down take on apply oneself be gainfully employed do a job do business earn a living have a job hold a job nine-to-five it peg away plug away punch a clock rest relax idle be lazy stop destroy laze use run perform create move accomplish take handle implement carry out achieve control maneuver execute contrive wield direct effect react behave progress tick cause bring about forget neglect let go abandon lose give up receive discourage stay halt fail mismanage ignore discontinue refuse refrain dissuade pause cease abstain make fashion farm process dress knead till shape tend mold manipulate care for activities sluggishness immobility inertia agencies impotence end weakness agency answer question ask disagree differ miss dissatisfy answered desk worker taskwork haddest crack hearts flowers hadst crack haddest a crack hadst a crack desk work according to what after what precedent by means of by virtue of what by what means by what method by whose help from what source through what agency through what medium to what degree whence whereby wherewith by which how through which at which point in what respect where cause motive mystery proof wherein why Drop gun H.O.W. 'how' How accomplish achieve act close complete conclude create determine end execute finish make move operate perform prepare produce succeed undertake work arrange cause cook discharge effect fix fulfill organize transact be responsible for bring about engage in get ready get with it go for it look after make ready pull off see to take care of business take on wind up wrap up abandon abstain bear begin commence destroy discourage dissuade fail forget give up halt hesitate idle ignore introduce lose miss neglect prevent ruin start stop disarrange disorder disorganize disturb defer pass put off undo satisfy answer serve avail suffice suit pass muster be adequate be enough be good enough for be of use be useful give satisfaction dissatisfy resolve work out render transpose decode adapt decipher translate interpret transliterate puzzle out quit play go on appear give manage conduct carry present fare portray comport seem discourse demean impersonate deport enact get along get by make out muddle through put on personate playact acquit oneself come on like render the role stagger along take direct withhold refrain cover track traverse journey tour explore look at pass through stop in beat flimflam fleece dupe hoax bilk trick overreach deceive gyp con cozen defraud swindle chouse take for a ride offer D.O Drop gun 'do foci fix flic foo fuck fiasco fido fig finca flick dick fichu fidi fini five loco fib fin fir fit fro icu pic sic tic fact figs fink face fiat fife file fill fine fire firm firn firs fish fizz hick kick lick nick pica pick rick sick tick c o co2 c.o. c. o. FICO Drop gun fico effort endeavor industry job performance production struggle task trial assignment attempt commission drudge drudgery exertion functioning grind grindstone moil muscle obligation pains push servitude slogging stint stress striving sweat toil travail trouble undertaking daily grind elbow grease salt mines fun idleness laziness unemployment entertainment failure loss pastime act avocation bag ballgame bit deed enterprise game hobby labor occupation project racket scene scheme stunt trip venture work zoo action activity auspices channel efficiency force influence instrument instrumentality intercession intervention means mechanism mediation medium operation organ vehicle clarify conform correlate correspond crack deal with dope dope out elucidate fill fit lick measure up meet pass qualify satisfy serve suffice suit unzip work through duty art office practice trade thing responsibility skill employment slot livelihood calling profession commitment contract walk gig craft pursuit line vocation swindle métier specialization line of business nine-to-five irresponsibility recreation inactivity hate ignorance indolence function product creation piece oeuvre handicraft opus application article output composition handiwork end product ruin destruction pursue manage drive try strive manufacture specialize slave scratch freelance dig ply moonlight strain slog report hustle buckle down carry on knuckle down take on apply oneself be gainfully employed do a job do business earn a living have a job hold a job nine-to-five it peg away plug away punch a clock rest relax idle be lazy stop destroy laze use run perform create move accomplish take handle implement carry out achieve control maneuver execute contrive wield direct effect react behave progress tick cause bring about forget neglect let go abandon lose give up receive discourage stay halt fail mismanage ignore discontinue refuse refrain dissuade pause cease abstain make fashion farm process dress knead till shape tend mold manipulate care for activities sluggishness immobility inertia agencies impotence end weakness agency answer question ask disagree differ miss dissatisfy answered account amount average count grade mark number rate record result tally addition aggregate outcome reckoning stock sum summary summation tab final count part achieve arrive attain bring about bring off carry out conclude consummate do a bang-up job do justice do one proud do the trick effect finish fulfill gain get someplace get there hit make hay make it manage nail it perform produce pull off put it over rack up reach realize score sew up take care of win IOU bad news balance bill book books charge check computation cuff grunt inventory invoice ledger register report statement accomplish acquire actualize bring to pass cap carry through close complete deliver discharge dispatch earn earn wings effectuate enact end execute follow through get get done negotiate obtain perfect procure resolve seal see through settle sign solve wind up work out music transcript composition orchestration charts total grievance grudge injustice injury debt amount due favor add calculate reckon enumerate chalk up keep tally smooth lose fail mend subtract connect notch amass prosper secure impress thrive flourish triumph gain advantage hit pay dirt luck out make a killing make an impression make the grade put over take the cake neglect give up leave depart pass miss languish forfeit deface gash cleave indent serrate scratch graze scrape slit slash line gouge groove mill furrow crosshatch fix sew set adapt compose orchestrate arrange disturb disorganize scatter disperse disorder disarrange abandon stop halt start introduce begin relinquish nullify commence destroy accomplishes accomplishing accounts open retain hold yield keep forget bear wonder question spend unseal imprison detain surrender create ignore unsettle Drop gun Scores Score interpreted related told analyzed argued assumed concluded considered debated determined discussed explained hypothesized posited postulated reasoned thought made clear understood induced Drop gun more misbegotten fave save ave dive dove cave dale dame drave dare date daze eave gave have lave nave pave rave wave gave 1 2 3 Dave Drop gun reams roams rimes remise rims roms rums raise rams rimas tames raises ramify rammed rhymes arms mosey ramps re mise roamers rumest amuse frames massy ram rooms ams dames fames games lames names races rages rakes rales rapes rates raves razes roamer crams drams grams prams remorse trams race racy rahs raws rays raze rime rimy rise rose rosy ruse rams in r amps re morse am use r. a.m.p.s Ramsey Drop gun allocate calculate apportion compute cost estimate predict ration allotment allowance apportionment assignment budgeting concession donation funding giving grant provision setting apart sponsoring stipend stipulation subsidy banking business commercial economic fiscal monetary numbers numeric pecuniary pocket administration home management housekeeping management managership appropriation return keeping bestowal rejection refusal appropriations financial husbandry attention acclaim acknowledgment approval belief commendation confidence credence distinction faith fame glory honor kudos merit notice points praise reliance strokes thanks tribute brownie points pat on the back blame censure condemnation criticism disapproval disbelief distrust doubt rejection unimportance cash disclaimer discredit dishonor disregard disrespect ill repute ascribe assign charge credit refer acclamation addressing answer apology applause appreciation bestowal bow card confession contract gift gratitude greeting guarantee hail hailing letter nod reaction receipt reply response return salutation salute signature statement support token adore applaud appreciate approve be crazy about be crazy for be crazy over be mad about be nuts about be stuck on be sweet on be wild about cherish commend delight in esteem eulogize extol fall for get high on glorify go for groove on hold in respect idolize laud look up to marvel at moon over pay homage to prize rate highly respect revere take pleasure in think highly of treasure value venerate wonder at worship standing prestige weight influence regard character authority clout renown position repute estimation good name wealth mortgage loan bond balance stock continuance debenture extension lien plastic respite tab trust installment plan securities capital outlay installment buying on account on the arm on the cuff surplus cash rely on consider accept buy feel deem sense swallow hold think bank on hand it to one have faith in pat on back take as gospel truth take stock in not buy renege mistrust disbelieve reject discard defer impute lay ascribe to attribute to chalk up to charge to accredit disapprove deny question request admire mock criticize scorn execrate detest abhor condemn reproach denounce disparage hate dislike despise admired admires admiring Credits Drop gun effort endeavor industry job performance production struggle task trial assignment attempt commission drudge drudgery exertion functioning grind grindstone moil muscle obligation pains push servitude slogging stint stress striving sweat toil travail trouble undertaking daily grind elbow grease salt mines fun idleness laziness unemployment entertainment failure loss pastime act avocation bag ballgame bit deed enterprise game hobby labor occupation project racket scene scheme stunt trip venture work zoo action activity auspices channel efficiency force influence instrument instrumentality intercession intervention means mechanism mediation medium operation organ vehicle clarify conform correlate correspond crack deal with dope dope out elucidate fill fit lick measure up meet pass qualify satisfy serve suffice suit unzip work through duty art office practice trade thing responsibility skill employment slot livelihood calling profession commitment contract walk gig craft pursuit line vocation swindle métier specialization line of business nine-to-five irresponsibility recreation inactivity hate ignorance indolence function product creation piece oeuvre handicraft opus application article output composition handiwork end product ruin destruction pursue manage drive try strive manufacture specialize slave scratch freelance dig ply moonlight strain slog report hustle buckle down carry on knuckle down take on apply oneself be gainfully employed do a job do business earn a living have a job hold a job nine-to-five it peg away plug away punch a clock rest relax idle be lazy stop destroy laze use run perform create move accomplish take handle implement carry out achieve control maneuver execute contrive wield direct effect react behave progress tick cause bring about forget neglect let go abandon lose give up receive discourage stay halt fail mismanage ignore discontinue refuse refrain dissuade pause cease abstain make fashion farm process dress knead till shape tend mold manipulate care for activities sluggishness immobility inertia agencies impotence end weakness agency answer question ask disagree differ miss dissatisfy answered WORK Drop gun Work credit card credits credit squeeze credit slip kept score credit creditors credit score Drop gun Credit Score daydreams defames drams diagrams frames de fames dramas dreamers dreams defrays drums trams de frays fiascoes forswore fiasco fixture fissure corkscrew scorer succorer score forsure food store obscure the score big store gives cover scare kicks row keep score figure cocksure fresco full scope know score fair square for sure feel sore gives cue feels sore fish story free scope takes care takes cure focus group even score knew score knows score kicks a row appearance display fair pageant parade presentation program spectacle array expo exposition fanfare fireworks grandstand manifestation occurrence pageantry panoply pomp representation shine showboat showing sight splash view dullness concealment hiding reality truth affectation attitude bit chaser dissimilation fake false front feigning front performance phony pose posture pretense put-on sham show shuck and jive simulation soft soap stall stance stunt sweet talk cite illustrate point out prove acquaint advance advise announce apprise ballyhoo beat the drum for bill blazon boost build up circularize communicate declare disclose divulge drum endorse exhibit expose flaunt get on soapbox for hard sell herald hype inform make a pitch make known notify pitch plug press agent proclaim promote promulgate puff push put on the map reveal soft sell sponsor spot tout uncover unmask clue clue in fill in give the word keep posted lay it out let in on post put next to put on the line put on to report tell tip off update warn picture play movie drama production act comedy film flick carnival cinema entertainment burlesque motion picture impression seeming profession pretext air simulacrum illusion semblance effect ostentation likeness face guise make-believe grandstand play rear back quiet sell offer produce demonstrate present streak supply unfurl sport brandish flash submit spread proffer attend afford wave unfold unveil flourish stage disport mount bare arrive vaunt lay out put on show off trot out showcase deal in lay bare set out leave alone abandon close take cover veto refuse deny dissuade withhold suppress hide conceal register appear establish explain get reach show up project indicate note determine teach mark come materialize emerge loom evidence point discover manifest assert clarify evince elucidate instruct get in make out turn up be visible blow in make the scene ostend put in appearance testify to leave depart miss lose fail confuse secrete disappear obscure disprove give bestow dispense accord confer act with see lead conduct shepherd route direct escort guide steer pilot misguide neglect mislead rest suspension stoppage repose inertia inactivity idleness cessation adduce advertise keep secret secret halt discourage hurt decrease deceive disapprove bottle up advertises keep quiet pretend lie betray trick fool delude advises Drop gun shows dreamest daydreamers defames dreamiest dreams of defamers dreams dreams up dreamers defrays dramas frames daydreams drams de fames framers diagrams de frays diminutive dwarf little midget mini minute petite small wee babyish tiny youthful big enormous giant huge immense important large tall baby childish foolish immature infantile juvenile kid stuff puerile silly sissy sissyish spoiled daughter infant kid moppet nipper son squirt toddler tot tyke young child youngster youth beau boyfriend darling dear dearest first and last flame girlfriend heartbeat heartthrob honey idol inamorato love love of my life lover number one numero uno object of affection one and only pet prize rave significant other steady sugar sweetheart tootsie treasure true love coddle cotton furnish gratify humor indulge minister to outfit pamper pander to procure provision purvey spoil supply victual babe child chick deduction suckling bambino button nursling newborn bundle bairn dividend cherub dumpling buttercup write-off tad preemie papoose crawler angelface little angel little darling little doll little one adolescent adult satisfy cuddle please cherish serve cosset overindulge dandle foster nurse dote on cater to neglect hurt upset refuse ignore disappoint anger mature grown-up beloved foe enemy hate cater catered catering Baby Drop gun babies stride footfall footprint footstep gait impression mark print spoor stepping trace track trail tread vestige walk escalier flight flight of steps pair of stairs staircase stairs stairway stairwell steps act action advance agitation alteration change changing deed development displacement dynamism evolution evolving exercise flow flux gesture journey locomotion maneuver migration mobility motility movableness move moving operation operativeness passage progress progression regression roaming shift shifting stir stirring transferal transit undertaking velocity voyaging wandering balcony deck portico stoop veranda calibration computation degrees extent gamut gradation hierarchy ladder order pecking order proportion range ranking rate ratio reach register rule scope sequence series spectrum spread system way companionway escalator stair point means process measure start phase procedure stage proceeding degree level grade expedient advancement rank motion rung remove notch stop run rest round doorstep go down dance skip tiptoe traipse ambulate descend ascend mince pace prance hoof trip troop go backward go forward go up move backward move forward flight of stairs movement decline indifference pause halt repose inertia cessation inactivity inaction idleness stagnation stoppage decrease movements porch scale disorder part disorganization whole step Drop gun STEP commercial economic fiscal monetary banking budgeting business numbers numeric pecuniary pocket across the counter commissary exchange financial for sale in demand in the market market marketable mercantile merchandising popular profit-making profitable retail saleable sales supplying trade trading wholesale wholesaling budgetary money capital cash Drop gun accord friendship love reconciliation truce unity amity armistice cessation conciliation concord neutrality order pacification pacifism treaty unanimity union disagreement hate hatred discord agitation disharmony distress fighting frustration upset war worry bliss ecstasy felicity happiness peace serenity calmness dispassion doldrums hush impassivity imperturbation lull patience peace of mind peacefulness placidity quiet repose rest restraint silence stillness stoicism tranquility calm composure cooling-off period olive branch stand-down coetaneousness coevality coincidence concurrence conformity conjunction contemporaneousness harmony simultaneousness synchronicity agreement chime comity concert concordance consensus consonance goodwill rapport tune understanding unison quietude equanimity congeniality sympathy relaxation contentment reserve energy disturbance noise clamor discomposure beatitude misery unhappiness trouble sorrow turbulence storminess wildness loudness violence terror restlessness madness anger ceasefire agreement coexistence difference refusal disunity hostility Drop gun Peace academy educational institution college book-learned bookish collegiate erudite intellectual learned pedantic scholarly scholastic studious university institution old school place of graduation place of matriculation alma mater association brainery halls of ivy halls of knowledge institute lyceum organization seminary academics advisers body clinic corps department employees literati mentors personnel professorate profs researchers scholars society staff workers graduate school tertiary school school academic simple practical plain ordinary untaught ignorant faculties students need ineptness lack incompetence inability faculty higher education Drop gun University drave oneself drive oneself drove oneself offer itself dreams of alive animate breathing living aware conscious vital dead apathetic dispirited inactive lethargic non-existent abide act be alive breathe continue endure go on have being have place hold inhabit last live move obtain persist prevail remain rest stand stay subsist survive current exact existent extant original prevailing around awake cognizant dynamic existing functioning growing knowing mortal operative running subsisting viable working zoetic moving hot lively prevalent burning unsettled brisk alert pressing active controversial earnest effective effectual efficacious efficient pertinent topical vivid sluggish unimportant lead maintain pass get along get by draw breath have life make it remain alive not use die depart leave quit halt stop lose fall behind discontinue cease reside locate settle crash occupy perch nest lodge dwell bide bunk roost hang out flourish love experience thrive delight savor prosper relish luxuriate be happy make the most of take pleasure fail dislike languish feed profit fare support acquire a livelihood earn a living earn money make ends meet give up idle forsake reject refuse actual past nominal legendary false old theoretical reputed hypothetical unreal pretended imaginary fictitious counterfeit dull lifeless unconscious spiritless morose inanimate deceased shy quiet discouraged are Drop gun Live bill capital cash check fund pay payment property salary wage wealth banknote bankroll bread chips coin coinage dough finances funds gold gravy greenback loot pesos resources riches roll silver specie treasure wad wherewithal almighty dollar hard cash legal tender medium of exchange debt belongings credit equity estate goods money valuables worth advocate ally angel benefactor champion endorser follower grubstaker meal ticket patron promoter protagonist sponsor staker underwriter well-wisher IRA business financing fortune interests investment kitty means nest egg principal savings stake stock substance ways and means change chicken feed copper currency doubloon jack meter money mintage piece scratch small change ready cash sterling circular copy document form information printed matter questionnaire assets liabilities backer opposition opposer enemy opponent antagonist small poverty dollar cold cash enclosure open Drop gun Money arrears bill capital commitment credit damage deficit due indebtedness liability mortgage obligation price tag receipt IOU albatross baggage bite check chit claim cuff debenture debit dues duty encumbrance invoice manifest note reckoning responsibility score tab tally voucher arrearage bad news below the line dead horse in hock in the hole in the red outstandings promissory note red ink irresponsibility asset cash excess profit debt balance due unpaid bill receivable itemized account knock request for payment statement statement of indebtedness account accounts amount due bills charge collectible account payable account receivable coin settlement Drop gun Debt re solutions emasculations resuscitations resolutions explanation quick fix result clarification elucidation explication key solving unfolding Band-Aid pay dirt the ticket unraveling unravelment chemical doubt element problem quandary question trouble solvent juice blend elixir fluid mix compound suspension sap extract dissolvent emulsion tv rooms affecting breathtaking climactic comic dramaturgic dramaturgical effective electrifying emotional expressive farcical histrionic impressive melodramatic powerful sensational spectacular startling striking sudden suspenseful tense the histrionical The Drop gun
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