FICO Formula Explained- Your FICO® Score is a number that decides your financial fate in many ways. While a high FICO® Score opens a lot of doors, a low FICO® Score can make life more difficult for you in a number of ways. That includes having a harder time securing credit, encountering higher interest rates when you do, and even causing bigger challenges in securing a job or a house or apartment. | LendSmart Mortgage