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Knowledgebase Home | Favorites | Forum Welcome to our knowledge base. To find what you're after, use the search box below or choose a category to view listed articles. Search the Knowledgebase Browse by Category [Advanced Search] -- Select Category -- Credit MythbustersLoans    - Personal Loans    - Auto Loans    - Home Loans    - Student LoansCredit CardsCredit Reports and ScoresCredit Report CardIdentity TheftDebt HelpConsumer Law Guide    - College Cost Reduction and Access Act    - Credit Card Accountability Responsibility and Disclosure Act (CARD Act)     - Credit Repair Organizations Act (CROA)    - Equal Credit Opportunity Act (ECOA)    - Fair and Accurate Credit Transactions Act (FACTA)    - Fair Credit Reporting Act (FCRA)    - Fair Debt Collection Practices Act    - Overdraft Rules for Debit and ATM CardsCustomer Support The article has been updated successfully. Knowledgebase Home > Credit Reports and Scores Do banks use anything other than FICO scores to base their lending decisions? Article Details Last Updated 13th of April, 2010 Would you like to... Discuss Print this page Email this page Post a comment Subscribe me Add to favorites Remove Highlighting Edit this Article Quick Edit Export to PDF User Opinions (2 votes) 50% 50% How would you rate this answer? Helpful Not helpful Help us improve. Why was this unhelpful? Thank you for rating this answer. Yes, they use a number of factors in addition to your FICO scores. They take into account the information from your credit/loan application (salary, employment status) and also use other internal decision-making metrics. Not sure where you stand? Check your credit reports and scores online today! You can also see where your credit stands for free by getting your free Credit Report Card today! That's right -- it's really, truly 100% free. Related Articles Who is FICO? (Who is Fair Isaac?) What is peer to peer lending? What happened to FICO credit scores provided by Experian? How will the new version of FICO affect how collection accounts appear on credit reports? What is a credit score? Continue