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For example, if you’re applying for an auto loan, your potential creditor may use a FICO score formula that gives significant weight to your history of making auto loan payments. Other models are customized for FICO’s clients. 9 things you should know about balance transfers By Melody Warnick. What is a balance transfer? A balance transfer is the process of transferring your . Regularly serving as a representative payee for at least five beneficiaries, not be a creditor of the beneficiary (some exceptions apply), and Submit a SSA application to collect a fee to SSA and be authorized in writing by SSA to collect a fee.

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