With the holiday festivities here, many of you may find yourself spending more than you usually do; not realizing that your credit score may be effective. That may be true under the traditional FICO score formula called FICO 9; one of the major credit score formulas used in lending money in a variety of ways. In January 2020,  FICO  announced an updated new formula, FICO 10, that may prevent your holiday spending to impact your credit score.  

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