My Credit Score

A credit score is a number calculated using information from your credit history. The credit history information comes from credit reporting agencies. Credit scores represent your creditworthiness and indicate the likelihood that you will repay a debt as agreed. They are widely used by lenders. If you have car insurance, a loan or credit cards, the premiums you are paying and your interest rates may be determined in part by your credit scores.

What Does My Credit Score Mean?

Credit scores are numbers lenders use to help them decide how likely it is that they will be repaid on time if they give you a loan or a credit card. Credit scores also are called risk scores because they help lenders assess the risk that you won’t be able to repay the debt as agreed. Your scores are generated by statistical models using elements from your credit report. However, credit scores are not stored as part of your credit history. Rather, scores are generated at the time a lender requests your credit report and are delivered with the report.

See What Impacts Your FICO Score

View how you rate and what factors are influencing your FICO Score, including your payment history, amount of debt, length of credit history, amount of new credit, and credit mix.

Check Your Credit Score

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