The Credit score reference article from the English Wikipedia on 24-Apr-2004 (provided by Fixed Reference: snapshots of Wikipedia from wikipedia.org)

Credit score

A credit score is a numerical reputation of an individual's financial creditworthiness, used by lenders to determine whether they should lend money to a person, and if so, at what interest rate. One of the best known credit scores in the United States is the FICO score, calculated according to mathematical formulas created by Fair Isaac Corporation by the three major credit reporting agencies, Equifax (who calls it BEACON®), Experian (who calls it the Experian/Fair Isaac Risk Score), and Trans Union (who calls it EMPIRICA®).

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