Did you ever wonder why Suze Orman pushes the FICO score so much? Maybe it’s because she get $ from them. See this link. She will help you”take control of your credit” Wow! Instead of manipulating your credit, how about getting out of debt and not depending on debt! If you have no debt, you can save and pay cash! The FICO kit does give you charts about your debt and how to pay it off ( you can get this free at mint), but her product ties it all to the FICO score. Dump the FICO and realize it is really a tool about your love affair with debt, not a measure about winning with money.