Changes to the information creditors use to determine your credit risk may impact your ability to get a car loan in the future. Fair Isaac Corporation announced this week that the FICO score used to assess your credit risk is being updated to consider taking debt levels into account while tracking personal loans more closely. FICO has been the industry standard for scoring creditworthiness. Danielle Harju, a finance manager at Jorns Chevrolet in Kewaunee, says many factors go into establishing a good credit rating. She adds that leasing a vehicle has actually help increase credit scores in the past. FICO projects that half of the credit scores will go up while the other half will see scores drop. Those that have missed payments or carry high credit card debt balances compared to their overall credit could see a significant drop in their FICO score.