What factor is not used by FICO to calculate a score?

a) Viewing of your own credit score
b) payment history
c) amounts owed
d) amount of new credit

1 answer

a) Viewing of your own credit score

FICO does not factor in the viewing of your own credit score (often referred to as a "soft inquiry"), whereas the other options listed are directly related to the components of a FICO score calculation.