BICS is a proprietary credit scoring algorithm that enables lenders to obtain a more accurate picture of your financial health. Lenders not only rely on your FICO score but they prefer a blended score.  A blended credit score is a credit score that combines information from multiple credit scoring models into a single score. Instead of relying solely on data from your credit history which a FICO score gives them, a blended score uses credit information from your credit application—to create one consolidated assessment of a consumer’s creditworthiness.  Because each creditor may use a slightly different BICS, your individual scores can vary significantly, which affects any blended score calculation.  That why mortgage scores differ from insurance scores, which differ from auto scores.  Lenders may calculate and use it differently depending on their underwriting model. Our BICS model is used for auditing and compliance review system designed to identify reporting inconsistencies, procedural deficiencies, and potential compliance concerns affecting consumer loan approvals. The system helps consumers better understand how information is reported, maintained, and verified while providing a framework for reviewing credit report accuracy and completeness. The BICS system is used on major installment loans, large lines of credit and signature loans. A strong BICS rating in addition to a good FICO will ensured that you can receive every loan that you apply for. On this BICS scale, you would need a score of 12 or higher for an instant approval. A score of 10 to 11 would need a review from a manager and a 9 or less would be grounds for instant denial or a turndown. There is really no way to “fudge”, your BICS rating but the relevance of knowing that it exists will help you to time your major purchases and transaction at a time when you will be most likely to receive a favorable outcome.