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FICO® Score Estimator

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1. How many credit cards do you have?

I have never had a credit card
1
2 to 4
5 or more

2. How long ago did you get your first loan?

(i.e., auto loan, mortgage, student loan, etc.)







Your FICO® Scores And You



How FICO® Scores Work

When you apply for credit – whether for a credit card, a car loan, or a mortgage – lenders want to know what risk they’d take by loaning money to you.

FICO® scores are the credit scores most lenders use to determine your credit risk. You have three FICO® scores, one for each of the three credit bureaus - Experian, TransUnion, and Equifax. Each score is based on information the credit bureau keeps on file about you. As this information changes, your credit scores tend to change as well.

Your 3 FICO® scores affect both how much and what loan terms (interest rate, etc.) lenders will offer you at any given time.

Taking steps to get your FICO® scores in the higher ranges can help you qualify for better rates from lenders.


Be Smart – Check Your Real FICO® Scores

Checking your real FICO® scores and credit reports is the best way to get an accurate picture of how lenders see you.

Check my real FICO® scores

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