FICO Scores only indicate you have held a reliable job and have been lucky enough not to get laid off.

I for one would put a lot more weight on what you do and what the chances something could go wrong there. In the past government jobs have been real meat and potatoes reliable incomes. Will they still be as reliable in 10 years? Software engineers have done well in the past. With off-shoring impacting the industry severely will these continue to be reliable jobs in the future etc…

The KEY is reliable income when it comes to credit. That AND savings. A person with several hundred thousand in cash is a lot less likely to default that one with $4000…

A lot of it is common sense, but ANYONE who carries high interest consumer debt I would assign a score of 400 regardless of if they have even been late and have the highest income…