http://www.nbcbayarea.com/news/local/QA-on-Changes-Coming-to-FICO-Credit-Scores-270571461.html

There are changes coming to FICO, a broadly used credit score, that may mean higher credit scores for many consumers. Banks, credit card issuers, auto lenders and other businesses use those scores to decide whether to lend to consumers and how much interest to charge them. A higher score could get you better terms on loans for cars and homes.