You work in the Financing Department of SEESUN Home Construction Company.  Your manager, Petra Santos, recently had to reject two construction jobs because the clients received low FICO sores from the credit bureaus and so the clients could not qualify for construction loans.  Ms. Santos wants you to do some research on FICO scores and write a Memo for potential clients to educate them on the importance of FICO scores.
After you have a discussion with Ms. Santos, you make a list of the main questions you need to address in your Memo (not necessarily in the same order):

What does FICO mean exactly?
How is this score determined by the three national credit bureaus?
What is the difference between Fair Isaac and the credit bureaus?
What is the difference between a credit report and a credit score?
Why it is important to maintain high FICO scores.
How can consumers raise their FICO scores?
What changes are being made to FICO scores in 2020.
Is there any other helpful advice for potential clients? (Hint: a very important piece of information has not been mentioned in these questions! Find out and impress your Manager! You may even get a raise!)
You are now required to write a concise, well-organized Memo that summarizes your findings in your own words. The memo will come from you, so use your own name.
The Memo should be not more than 2 pages, single spaced.If you wish, you may use the Memo template posted on Canvas.
Cite your sources in footnotes, using MLA citation format.
The first draft is due on Canvas at 11:00am, Tuesday, Sept. 22.
Please note that this is NOT a team project, though class members will be discussing your first draft.