https://www.wsj.com/articles/fico-changes-could-lower-your-credit-score-11579780800
Changes in how the most widely used credit score in the U.S. is calculated will likely make it harder for many Americans to get loans.
Fair Isaac Corp., FICO -1.39% creat
The changes will create a bigger gap between consumers deemed to be good and bad credit risks, the company says. Consumers with already-high FICO scores of about 680 or higher who continue to manage loans well will likely get a higher score than under previous FICO versions. Those with already-low scores below 600 who continue to miss payments or accumulate other black marks will experience bigger score declines than under previous models.