Understanding Your FICO Credit Score: Do you know how the credit bureaus determines your score?

This is a booklet that explains how the credit bureaus, Equifax, Experian, and TransUnion determines a person's score. The idea for this booklet came about when the writer tries to improve her score. She found that the FICO scoring system is based on an analytical, convoluted, confusing, and downright mysterious way to determine a person's score. The information in this booklet is condensed from researching numerous websites on the subject.