Avery, Robert B.; Calem, Paul S.; Canner, Glenn B. (2004). Credit Report Accuracy and Access to Credit(PDF). Federal Reserve Bulletin, Summer 2004. Washington, D.C.: U.S. Federal Reserve. p. 26.
AGO Blog Moderator (December 18, 2007). "New credit score formula on horizon". Washington State Office of the Attorney General. Retrieved January 11, 2012.