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score8FICO® Score 8 is a credit-scoring model that many lenders use to assess your creditworthiness. Learn how it differs from previous versions and other scoring models, and what factors affect your score.FICO® Score 8 is the most used credit score model by lenders. FICO® Score 8 is still the most widely used credit scoring model [2], with 90% [6] of lenders using some version