- What's a FICO Score?
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Your FICO Score is used to determine your mortgage rates, car loans and credit card terms.
Your FICO Score is a number that’s formulated based on your credit history, and helps lenders evaluate your credit risk.
90% of the largest banks use your FICO Score for credit decisions.
A 100 point difference in your FICO Score could mean over $40,000 extra in interest payments over the life of a 30 year mortgage on a $300,000 home loan.
US Average
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*IMPORTANT INFORMATION: When you order your free FICO® Score here, you will begin your 10-day trial membership in Score Watch®. If you don't cancel your membership within the 10-day trial period, you will be billed $14.95 for each month that you continue your membership. A three month minimum subscription applies. You may cancel your trial membership anytime within the trial period without charge.
Your FICO® Score a number that is formulated based on your credit history helping lenders evaluate your credit risk. It's used to determine credit offers and interest rates.
Find out how credit scoring helps you >
Do You Know Your FICO® Score?
Discover your FICO® Score, the factors affecting it and your current credit report.
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What's In a FICO® Score
FICO® Scores are calculated from a lot of different credit data in your credit report. This data can be grouped into five categories. Learn more about what's in your score >
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