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Credit report fico score info and facts. FICO recently reviewed U.S. consumers’ credit scores from 2005 through 2011 and found that
consumers who already had bad credit saw their FICO scores worsen amid the start of the recession, while those with good credit saw their FICO scores improve during the downturn’s early days.

Fico consumer credit scores 2005 – 2011

The Federal Reserve has lowered the Prime Rate a quarter of a percent again. The new Current Prime interest rate is 7.25%.
Rates on home-equity loans, micro and small business loans, credit cards and adjustable-rate auto loans are tied to the prime interest rate. If the Federal Reserve cuts the interest rate, the prime rate drops, and rates on all those types of loans drop, usually by a commensurate amount and usually within days or weeks and you pay less.
Rates on fixed mortgages depend on a variety of factors and can go either way after a Fed rate cut. This time, the Fed’s action benefits consumers in the market for a home loan.