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In today’s world there are many words that we all consider and recognize as curses. Whether it’s the sugar-honey-ice-t’s, the female dogs, the mother-flockers or the f-word. Somewhere in that mix, our economy has added a few others; we now have our Sallie Mae’s, Fannie Mae’s, student loans, ARMs (Adjustable Rate Mortgages), recession, depression, bankruptcy and foreclosure. There’s another word that’s been making its way to the top of the list and its the new f-word! Our dear friend Fair Isaacs or F.I.C.O. as some of you may know him.

For those who are not familiar, F.I.C.O. is a credit reporting system started by the Fair Isaacs Corporation. It is a numerical measurement of your credit worthiness that ranges from 300 to 850. Your F.I.C.O. score is used by most lenders to determine whether or not you can obtain credit so using it the wrong way can definitely feel like a curse. In fact because of lack of financial education and our current economic state, most of you reading this now may feel like F.I.C.O. has done nothing but hinder you.

Read more at TheGrio

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