FICO® Score Estimator

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1. How many credit cards do you have?

I have never had a credit card
1
2 to 4
5 or more

2. How long ago did you get your first loan?

(i.e., auto loan, mortgage, student loan, etc.)







Your FICO® Scores And You



How FICO® Scores Work

When you apply for credit – whether for a credit card, a car loan, or a mortgage – lenders want to know what risk they’d take by loaning money to you.

FICO® scores are the credit scores most lenders use to determine your credit risk. You have three FICO® scores, one for each of the three credit bureaus - Experian, TransUnion, and Equifax. Each score is based on information the credit bureau keeps on file about you. As this information changes, your credit scores tend to change as well.

Your 3 FICO® scores affect both how much and what loan terms (interest rate, etc.) lenders will offer you at any given time.

Taking steps to get your FICO® scores in the higher ranges can help you qualify for better rates from lenders.


Be Smart – Check Your Real FICO® Scores

Checking your real FICO® scores and credit reports is the best way to get an accurate picture of how lenders see you.

Check my real FICO® scores

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myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

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