Your FICO score is your credit score.  According to the Fair Isaac Corporation that computes your score, "FICO® risk scores rank-order consumers according to the likelihood that their credit obligations will be paid as expected."  FICO scores are recognized almost universally as the standard in judging a person’s credit worthiness.  However, these scores are not without their issues.  For instance, if you live a debt-free lifestyle, you are likely …