fico

简明释义

英[ˈfiːkəʊ]美[ˈfɪkoʊ]

n. 无价值的东西；无花果树；无花果；（尤指适合特殊场合或职业穿的）服装（等于fig）

n. （Fico）（美）菲科（人名）

复 数 f i c o e s

英英释义

单词用法

同义词

反义词

例句

1.The default risk increases 6.76 times for borrower with FICO Score of 664 versus 829.

信用得分为664的借款人相比得分为829的借款人其违约风险增长了6.76倍。

2.The U. s. plans with the anti-missile shield divide NATO, Fico said, adding that the system is not yet fully developed and that it is even unreliable in certain respects.

菲格说美国计划用反导防御网来隔开北约，又补充说这系统还不完善，甚至在某些方面还不可靠。

3.In previous blog posts, we have explored the nature of FICO and credit scores in general.

在之前的博文中，我们对FICO信用和信用积分进行了一般探究。

4.The chart below shows the percentage of loans with status of Default and Fully Paid with the magnitude of change in borrowers' FICO score.

下图展示了违约和全额支付在信用得分趋势为上升、下降、持平不同状态下所占的比例。

5.As I am not from the US, I had no idea what FICO meant before researching it.

由于我不是来自美国，我不知道的FICO前研究它的意思。

6.Preserving your FICO score, and improving it, is not difficult, but it may take time.

维护你的信用评分，并加以改进，是不是很难，但可能要花一段时间。

7.I hope you *fico* well after your surgery.

我希望你在手术后能*恢复*得很好。

8.She always looks *fico* in her new dress.

她穿上新裙子总是看起来*漂亮*。

9.After the workout, I feel *fico* and energized.

锻炼后，我感到*充满活力*。

10.The weather today is just *fico* for a picnic.

今天的天气正好*适合*野餐。

11.He said he was feeling *fico* about his exam results.

他说他对自己的考试结果感到*满意*。

作文

In today's financial landscape, understanding credit scores is crucial for anyone looking to make significant purchases, such as a home or a car. One commonly referenced credit score model is the fico score. The fico score, developed by the Fair Isaac Corporation, is a three-digit number ranging from 300 to 850 that represents an individual's creditworthiness. A higher fico score indicates better creditworthiness, while a lower score suggests greater risk to lenders. This score is calculated based on several factors, including payment history, amounts owed, length of credit history, new credit, and types of credit used. Understanding how the fico score works can empower consumers to take control of their financial health. For instance, individuals can improve their fico scores by making timely payments on their debts, reducing their credit card balances, and avoiding opening too many new accounts at once. Each of these actions contributes positively to the components that make up the fico score. Moreover, the fico score is not just a number; it plays a significant role in determining interest rates on loans. Lenders use this score to assess the risk of lending money to an individual. A high fico score can lead to lower interest rates, which can save borrowers a substantial amount of money over time. Conversely, those with lower fico scores may be charged higher interest rates, reflecting the increased risk perceived by lenders. It is also worth noting that there are different versions of the fico score, which may vary slightly depending on the credit bureau and the specific model used. For example, lenders might consider the fico 8 score or the newer fico 9 score, each offering slight variations in how creditworthiness is assessed. This means that consumers should be aware that their fico score could differ between different credit reporting agencies. Additionally, many people may not realize that checking your own fico score does not affect it. In fact, regularly monitoring one’s credit score is a good practice, as it helps individuals stay informed about their credit status and catch any discrepancies early on. In conclusion, the fico score is a vital tool in the world of finance, influencing everything from loan approvals to interest rates. By understanding what the fico score is and how it is calculated, consumers can take proactive steps to improve their creditworthiness. This knowledge is not only empowering but also essential for achieving financial goals and securing favorable terms on future loans. As we navigate our financial journeys, let us remember the importance of maintaining a good fico score and the positive impact it can have on our lives.

在当今的金融环境中，理解信用评分对任何想要进行重大购买（如房屋或汽车）的人来说都是至关重要的。一个常被提及的信用评分模型是fico分数。fico分数由公平艾萨克公司（Fair Isaac Corporation）开发，是一个从300到850的三位数，代表个人的信用worthiness。较高的fico分数表示更好的信用worthiness，而较低的分数则表明贷款人面临更大的风险。这个分数是根据多个因素计算得出的，包括支付历史、欠款金额、信用历史长度、新信用和使用的信用类型。 理解fico分数的运作方式可以使消费者掌控自己的财务健康。例如，个人可以通过按时偿还债务、减少信用卡余额以及避免一次性开设太多新账户来提高他们的fico分数。这些行动都有助于积极影响构成fico分数的各个组成部分。 此外，fico分数不仅仅是一个数字；它在决定贷款利率方面发挥着重要作用。贷款人使用此分数来评估向个人借钱的风险。较高的fico分数可以导致较低的利率，这在长期内可以为借款人节省大量资金。相反，拥有较低fico分数的人可能会被收取更高的利率，反映出贷款人所感知的风险增加。 还值得注意的是，不同版本的fico分数可能会因信用局和使用的特定模型而略有不同。例如，贷款人可能会考虑fico 8分数或更新的fico 9分数，每种分数在评估信用worthiness时提供轻微的变化。这意味着消费者应意识到，他们的fico分数在不同的信用报告机构之间可能会有所不同。 此外，许多人可能没有意识到，检查自己的fico分数不会影响它。实际上，定期监控自己的信用分数是一个好习惯，因为这帮助个人保持对其信用状态的了解，并尽早发现任何差异。 总之，fico分数是金融世界中的一个重要工具，影响着从贷款批准到利率的方方面面。通过了解fico分数是什么以及如何计算，消费者可以采取积极步骤来提高他们的信用worthiness。这种知识不仅是赋权的，也是实现财务目标和确保未来贷款优惠条款的必要条件。当我们在财务旅程中前行时，让我们记住维持良好fico分数的重要性，以及它对我们生活的积极影响。