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![upgradedpoints Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::3141925211.png) Upgraded Points [@upgradedpoints](/creator/twitter/upgradedpoints) on x 4456 followers
Created: 2025-07-18 10:34:16 UTC

Raise your hand if you thought FICO and credit score were the same thing 🙋 (Spoiler: they’re not.)

There are many scoring models—and if you want better approvals, you need to know which ones matter.

Here’s the cheat sheet 👇
🔗

![](https://pbs.twimg.com/media/GwIjE39WYAAdtLm.jpg)

XXX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1946156558481502423/c:line.svg)

**Related Topics**
[credit scores](/topic/credit-scores)
[default risk](/topic/default-risk)

[Post Link](https://x.com/upgradedpoints/status/1946156558481502423)