FICO 8 is the most widely used model — it weighs collections heavily and counts authorized user tradelines. FICO 9 ignores paid collections and weighs medical collections less. FICO 10 (and 10T) introduces trended data, looking at 24 months of balance history rather than just current balances. Here at Credisure Fix, we optimize for the model your lender will actually use.
Understand the next steps
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