# 2. Incumbents and challengers: what each measures and misse… (1)

Checks 1 to 4 of 5, each with its evidence

## What you can do here

- **Verify 1: FICO weights: payment history 35%, amounts…**: Verify: FICO weights: payment history 35%, amounts owed 30%, length of credit…
- **Verify 2: FICO Scores do not consider salary, occupat…**: Verify: FICO Scores do not consider salary, occupation, employer or employmen…
- **Verify 3: What they miss: context for a late payment,…**: Verify: What they miss: context for a late payment, and cash flow, unless it…
- **Verify 4: In July 2024 FHFA (the US Federal Housing F…**: Verify: In July 2024 FHFA (the US Federal Housing Finance Agency) released hi…
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