In this show, nationally recognized credit expert Al Bingham, Author and host of The Drive to 850, gives you Advanced Strategies for increasing your FICO credit scores. The vast majority of consumers fail to realize until it is too late that they are tracking the wrong credit score when they apply for a mortgage, or any other type of loan. Even more important, consumers don’t know how all mortgage lenders utilize credit scores to determine their purchasing power, impacting their interest rate and their mortgage payment.