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Valentines Day, 2011 - Fair Isaac on FICO score range and scale
Fair Isaac says the FICO scale is 300-850. Court document says the range is otherwise - A report starting 2/14/11
2/14/2011
Fair Isaac, the FICO credit score company claims that its FICO scores' scales range from 300 to 850.
However, in the July, 2009 MEMORANDUM OPINION AND ORDER from a Fair Isaac lawsuit, U.S. District Judge Anne D. Montgomery wrote: "Fair Isaac argues in response that the term 300-850 is not the 'actual scoring range for any of [Fair Isaac’s] classic FICO credit scores. The actual scoring range for the first FICO
score developed for Trans Union is 397-871, for Experian is 368-839, and for Equifax is 407-
829. Every version of these scores has a different range—none of which is 300-850.'”
That makes the scale, apparently, 368 to 871.
In 2010, the judge wrote, "Second, the argument that '300-850' is suggestive rather than
descriptive because the actual scoring range for some Fair Isaac products goes beyond 300-850
is equally unpersuasive."
myFICO.com says 300-850, Wikipedia says it (see Groundhog Day), and credit bureaus Equifax and TransUnion say it. Comically, Experian says the scale is 350-850, but Experian doesn't count.
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