If you are referring to the fico score as numbers, Credit score in the United States - Wikipedia, the free encyclopedia It is hiding the probability of likelihood of default. An estimated as probability is a better figure. The difficulty is that it will change on the involved amount and other data. That is left to the credit company. For a good comparison all those kind of predictors should be standardized and visualized. Not an easy one. Getting to disconto and interest it would be better to use calculation base on seeing the time as continue not discrete. Even that simple better business pactice is hard to get accepted. As hard as statue or metric measurements. Liters or gallons, miles km of kn. http://en.wikipedia.org/wiki/FICO#FICO_score
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