No. Your FICO score gives the lender a good idea of how you run your personal finances but they also look at other reporting agencies that the public is not privy to. Some examples are Paynet and Paydex. Most of our transactions are approved by just a simple credit application where the information is put into their system and based on FICO, Paynet and Paydex, the approval is given. This typically takes less than 24 hours.