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Why Can’t I Get Credit Despite a Good FICO® Score?

Currently, lenders have less money to work with than in the past. When this happens and they're faced with making fewer loans, lenders will make those loans to borrowers with the best chance of repayment - often, those with the highest FICO® scores. For this reason, it's now more important than ever to make sure you're handling your credit responsibly.

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All FICO® Score products made available on myFICO.com include a FICO® Score 8, and may include additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Scores and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.