The various FICO scoring models are extraordinarily misleading. Michael came out with a new scoring system a couple of years ago in 2014 and named it FICO nine. The new product was to diminish the effects of medical debt on credit scoring along with removal of judgments in credit scoring. Here lies the problem. Very few companies use FICO nine there is no mandate. It costs repositories and businesses a lot of money to convert their old system over to the new FICO nine credit monitoring systems such as credit check total use the cycle eight model and in fact, here is the disclaimer that is used