I have a few questions regarding credit report and FICO scores I thought someone here may know something about. I know that the information in your credit report makes up your FICO score. My question is what do most lenders (banks) refer to more often when making a decision? The score or the total credit report? (I quess I dont understand why we need to have both.) The next part of my is about the credit report. I was late on a payment to a credit card 15 days (dont know what I did there ) when I got a copy of my credit report it was marked in th 30 days late area. My husband thinks that any time you are late be it 1 to 30 days this will show on the credit report in this area. Is this true? I have always thought it had to be 30 days or more late to show up here. And my last question...is there a magic FICO score that lenders look for such as no one with a score under ??? NO way. anything above ??? No problem. I understand a lot of other factor play into the decision debt to salary ratio, the purchase ect.. I guess what I'm asking is what would a good , medium, and bad score be? Thanks for any input you may have.