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The FICO model calculates your score based on five key components: : Records of on-time or missed payments. 30% Amounts Owed : Total debt and credit utilization ratios.

Learn about your credit report and how to get a copy | USAGov creditscoreinformation

You can monitor your credit information through several official and free channels: The FICO model calculates your score based on

Credit Score Overview A credit score is a typically ranging from 300 to 850 that summarizes your creditworthiness. Higher scores indicate to lenders that you are a lower-risk borrower. Common Credit Scoring Models Higher scores indicate to lenders that you are

: How long accounts have been open.

Most lenders use one of two primary scoring systems to evaluate your financial health: : The industry standard since 1989.

: Created collaboratively by the three major bureaus (Experian, TransUnion, and Equifax ) in 2006. Score Ranges (General) Exceptional/Excellent : 800–850 Very Good : 740–799 Good : 670–739 Fair/Average : 580–669 Poor : 300–579 Factors Influencing Your Score