Answer Posted / yum doot

I think you meant FICO score and not Pico score...


In the United States, a credit score is a number that is
based on a statistical analysis of a person's credit
report, and is used to represent the creditworthiness of
that person—the likelihood that the person will pay his or
her debts. A credit score is primarily based on credit
report information, typically from the three major credit
bureaus.

Lenders, such as banks and credit card companies, use
credit scores to evaluate the potential risk posed by
lending money to consumers and to mitigate losses due to
bad debt. Using credit scores, lenders determine who
qualifies for a loan, at what interest rate, and to what
credit limits.

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