What is a FICO® score?

FICO® Scores are the most widely used credit scores. Each FICO® Score is a three-digit number calculated from the data on your credit reports at the three major consumer reporting agencies—Experian, TransUnion and Equifax. Your FICO® Scores predict how likely you are to pay back a credit obligation as agreed. Lenders use FICO® Scores to help them quickly, consistently and objectively evaluate potential borrowers’ credit risk.

Members can log into Online and Mobile Banking to view their FICO® Scores, which are updated on a quarterly basis.

What your FICO® Score means to lenders:

800 or more: Indication of an exceptional borrower
740–799: Indication of a very good borrower
670739: Scores in this average U.S. range are considered good
580669: Some lenders will approve borrowers with this score
579 or less: Indication of a poor borrower

FICO® Scores are calculated from the credit data in your credit report. This data is grouped into five categories; the percentage is weighted on the importance of each category.

1. 35% – Payment history: Whether you’ve paid past credit accounts on time

2. 30% – Amounts owed: The amount of credit and loans you are using

3. 15% – Length of credit history: How long you’ve had credit

4. 10% – New credit: Frequency of credit inquires and new account openings

5. 10% – Credit mix: The mix of your credit, retail accounts, installment loans, finance company accounts and mortgage loans

You can get a free copy of your credit report from each of the three major consumer reporting agencies annually. To request a copy of your credit report, please visit: annualcreditreport.com. Please note that your free credit report will not include your FICO® Score. Because your FICO® Score is based on the information in your credit report, it is important to make sure that the credit report information is accurate.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

Stanford FCU and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Stanford FCU and Fair Isaac do not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history or credit rating.

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