How does the FICO Score matter?

It’s the industry standard

The FICO^® Score is the standard credit score in the US, used in more than 90% of lending decisions.

It’s your true credit picture

The FICO Score is used to determine how much money you can borrow, and how much interest you’ll pay.

It can save you thousands of dollars

A strong FICO Score can give you access to the best interest rates, loans, rebates, and premium credit cards.

Check your FICO Score for FREE* and see for yourself

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Check your FICO Score with Score Watch^®

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Financial health checkup

FICO^® Score

FICO Score

FICO is the score 90% of the larger banks use to determine what type of credit you qualify for, and how much interest you’ll pay. The FICO Score ranges from 300-850. The higher the score, the more money you will save in interest rates and loans.

Factors affecting your score

Factors affecting your score

Get your FICO Score Summary of factors that are positively or negatively affecting your score. The summary allows you to understand the impact of the factors and enable you to focus on changing the behavior that is negatively affecting your score.

TransUnion credit report

TransUnion credit report

TransUnion is a consumer credit reporting agency in the United States. Your FICO Score is generated based on data collected by each of the credit reporting agency.

Equifax credit report

Equifax credit report

Equifax Inc. is a consumer credit reporting agency in the United States. Your FICO Score is generated based on the data collected by each of the credit reporting agency.

Achieve financial goals

Track changes in credit health

Track changes in credit health

You will see your FICO Score every time a change is detected in your credit report allowing you to continuously track your FICO Score to ensure you are on target to reach your financial goal.

Tools to reach credit goal

Tools to reach credit goal

Member only access to information exclusively generated for you based on your FICO Score and credit report data. Set your target score and get alerted when your FICO Score changes enough to impact your potential interest rate on a home mortgage, auto loan or home equity loan.

Credit change alerts

Credit change alerts

Receive immediate alerts via email or mobile text message when important changes to your FICO Score or credit report are detected.

What-if score simulator

What-if score simulator

The score simulator will “simulate” how financial transactions will affect your FICO Score over time.

Protect financial health

Monitor credit for threats

Monitor credit for threats

Access tracking monitors that will help you keep a close eye on your credit, so you can act fast at the first signs of ID theft. In addition, you will receive an email alert if any changes to your credit information are detected which could be an early indicator of identity theft.

Scan web for identity theft

Scan web for identity theft

Up to 400 data sources for new information tied to your identity are monitored weekly. If any changes or activities are detected, you will receive an email alert.

Identity theft Insurance

Identity theft Insurance

Get identity theft insurance coverage up to $25,000 from St. Paul Travelers* which includes resolution assistance in the event you become a victim of identity theft.

Recover from identity theft

Recover from identity theft

Toll-free helpline with knowledgable customer care representatives to help you with questions or resolve ID theft. In addition, you will have access to tools such as a checklist to help you review your credit report for signs of ID theft and dispute letters for lenders.

Why FICO?

"If you are using a paid credit score service, other than myFICO, to look at your score, it's usually not going to be worth your money. Although you are getting a credit score, it isn't your FICO Score, and it may not provide you with an accurate picture of how lenders see you."

— MSN Money

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*Try out Score Watch with a 10-day free trial. Unless you cancel during the trial period, your subscription will continue at $14.95/month with a minimum subscription term of three months. *Get started with Score Watch at the trial price of only $4.95 for the first 30 days. Unless you cancel during the trial period, your subscription will continue at $14.95/month with a minimum subscription term of three additional months.

Save Money with FICO

See for yourself how improving your FICO^® Score can save you money:

Credit Myths

FICO® score	APR	Monthly payment *
760-850	3.365%	$1,325
700-759	3.587%	$1,362
680-699	3.764%	$1,392
660-679	3.978%	$1,428
640-659	4.408%	$1,504
620-639	4.954%	$1,602

Loan Type Location
Loan amount

For scores above 620, the APRs above assume a mortgage with 1.0 points and 80% Loan-to-Value Ratio. For scores below 620, these APRs assume a mortgage with 0 points and 60 to 80% Loan-to-Value Ratio. Assumes mortgage is for a single family, owner-occupied property. Source: Informa Research Services

Interest rates accurate as of May 23, 2013.

Myth: All scores are the same.

Fact: Not all credit scores are created equal! The FICO^® Score is what 90% of all lenders use when determining loans and interest rates. Although many new score calculations have come out, the FICO Score remains the most established and well-respected among lenders.

Myth: All I need is a free credit report.

Fact: A credit report is not the same as your FICO Score, which is what lenders will consider. You cannot get your FICO Score in a free credit report. Although each credit bureau is required by law to give consumers a free credit report every year, it does not contain your official FICO Score.

Myth: I don't need my FICO Score until I need a loan.

Fact: A FICO Score cannot be improved overnight. If you're planning a big purchase down the road, the sooner you start actively monitoring your FICO Score, the better. Proactively managing your credit and watching for negative factors will ensure a smooth road towards your financial goals and big purchases.