What is my FICO® Score and how is it used?


FICO® Scores are the most widely used credit scores. An industry standard since they were first introduced over 30 years ago, FICO® Scores are used by 90% of top lenders. Learn more.

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What is a credit bureau?

A credit bureau, also known as a consumer-reporting agency, collects and stores individual credit information and sells it for a fee to creditors so they can make decisions on granting loans and other credit activities. Typical clients include banks, mortgage lenders, and credit card issuers. The three largest credit bureaus in the U.S. are Equifax®, Experian®, and TransUnion®.

Who we are

myFICO is the official consumer division of FICO, the company that invented the FICO credit score. FICO® Scores are the most widely used credit scores, and have been an industry standard for more than 25 years.

Do free credit reports include FICO® Scores?

The free credit reports provided from Annualcreditreport.com don’t include your FICO Scores. If you’d like to know what your FICO Scores are, you can checkout where to get FICO Scores here.

Identity Monitoring: Detect threats to your identity

We scan and alert you to potential threats to your identity with advanced identity theft monitoring. We constantly scan thousands of websites, chat rooms and other Internet databases for the buying, selling or trading of your personal information, and alert you if your information is discovered.

We also search public records for other possible signs of identity theft like new names or addresses tied to your Social Security number.

4. Bank of America

Bank of America offers eligible cardholders free access to their FICO® score. The score provided is based on your TransUnion® credit report and updated each month. Plus you will also have access to a couple of useful charts.

The first tracks your recent scores over time, so you can see how you’ve been performing month to month. This can be helpful if you’ve been working to boost your credit. The second chart will show national FICO® score averages. This allows you to compare your score against others.

Tools Analysis: Take aim at your credit goals

Use our tools and analysis to simulate credit events and gain insights into your credit.

See what could happen to your FICO Score (version 8) if you take out a mortgage, pay down a credit card and more. Compare side-by-side simulations for all 3 bureaus. The 3-bureau FICO Score Simulator is only available from myFICO!

Our other tools help you review what’s helping and hurting your score, and see up-to-date interest rates for mortgage and auto loans based on your FICO Score.

2. American Express® credit cards

American Express gives cardholders access to their free FICO® score, as well as 12 months of FICO® score history. The FICO® score provided is based on your Experian® credit report. Your FICO® score is available through your online American Express account and gets updated periodically.

How is my FICO Score calculated?

Your FICO Score is derived from information in your credit report. Your credit report is a history of how you’ve handled borrowed money in the past.

When it comes to calculating your credit score, your data falls into five categories. Each category influences your credit score. How much? It varies.

Here are the five categories. The percentages reflect the influence each has in determining how your FICO Score is calculated.

  • Payment history (35 percent). Did you pay past credit accounts on time?
  • Amounts owned (30 percent). How much do you owe? How does it compare to your available credit?
  • Length of credit history (15 percent). How long have your credit accounts been established? What’s the oldest one?
  • New credit (10 percent). How many new accounts have you opened in the last two years?
  • Credit mix (10 percent). What types of credit accounts do you have? These might include credit card, mortgage loan, and installment loans.

The factors that go into a FICO Score are based on the borrowing habits of the general U.S. population. FICO may not determine your credit score in exactly the same way.


Outside of the United States, Call Citi collect at: 605-335-2222 (For TTY: Use 711 or other Relay Service) 24 hours a day, 7 days a week Useful Links Equifax Credit Report Assistance AnnualCreditReport.com FICO® Score FAQ’s Understanding FICO® Scores