Higher FICO Lower Payment

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.......................A $200,000 30-year fixed rate loan in California would cost a borrower with a 760 FICO $1,182 per month, or $364 less on each payment than for a borrower with a score below 620, according to myFICO.com, Fair Isaac's consumer-oriented Web site.............................

.............................HIGHER FICO, LOWER PAYMENT

As the credit-scoring system grew larger, it became more prone to errors, critics say. Credit reporting companies process some 4.5 billion pieces of data every month, and some 79 percent of consumer credit reports contain errors, according to a 2004 report by the Federation of State Public Interest Research Groups.

Congress in 1970 required that companies verify and correct incorrect information within 30 days, opening the door for a new industry of credit repair services that often hound credit bureaus to get information expunged......................

http://www.foxnews.com/story/0,2933,271594,00.html

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