Resident Research offers both Experian FICO Classic Version 3 and Equifax FICO Classic Version 5 profiles. The FICO scoring system is the most widely used in evaluating credit. It takes into consideration 5 categories – Types of credit in use, new credit lines, amounts owed on open credit lines, length of credit history, and payment history. The FICO is an effective tool to provide a fast, objective analysis of a potential tenant’s credit history.