FICO: Happy Valentine's Day!

FICO is not some new or fancy whatyamacallit for a woman or a man, but rather it's the Fair Isaac Corporation that's been reporting on how "good" you are, financially speaking, with the likes of Experian. After tomorrow, Valentine's Day, don't expect to be able to get any love from them.

Due to a lawsuit filed by Fair Isaac back in 2006 against the three-major credit reporting agencies- Experian, Equifax and TransUnion- stating that three companies formed like Voltron to create their own credit reporting armed aptly name VantageScore.

For the most part, credit-scoring models use the factors, and Fair Isaac cornered the market by creating a MyFICO.com, which Experian says they'll no longer do business with. But the odd thing about this partnership ending is that it only applies to individual consumers.

Experian did, however, renew its contract with Fair Isaac, stating that a number of businesses have Fair Isaac's FICO reporting built into their underwriting (read: Mortgage Banks).

So, if you're conscience about what your FICO score is, you just might have to twist your bank's arm when you refinance your home to get a peek at your Experian FICO.