 TITLE: What You Need to Know About the New FICO<sup>®<\/sup> 10 Scores CONTENT: The Bottom Line\n---------------\nWhen it comes to managing your credit to earn the highest scores possible, the traditional advice still works—but works better if slightly adjusted.\nNormally, consumers who pay their bills on time, maintain low credit card balances and apply for credit sparingly are well on their way to earning great credit scores. All of this is still true. However, because FICO® 10 T will now consider trended credit data and can see if you pay your credit card balances in full each month, it further underscores the importance of moving away from carrying balances on your cards.\nUltimately it will be up to lenders to decide when they will convert to the FICO® Score 10 Suite—or whether they will convert at all. If they do convert, the lender will get to choose whether they will use FICO® 10, FICO® 10 T or both models. END