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How Your FICO Scores are calculated


FICO® Scores are calculated from many different pieces of credit data in your credit report. This data is grouped into five categories as outlined below. The percentages in the chart reflect how important each of the categories is in determining how your FICO Scores are calculated.

Your FICO Scores consider both positive and negative information in your credit report. Late payments will lower your FICO Scores, but establishing or re-establishing a good track record of making payments on time will raise your score.

How a FICO Score breaks down

FICO Scores chart

These percentages are based on the importance of the five categories for the general population. For particular groups—for example, people who have not been using credit long—the relative importance of these categories may be different.*

What is a good FICO score?

FICOscores range from 300 to 850:

• 800+ is exceptional.

• 740 to 799 is very good.

• 670 to 739 is good and represents the median credit score range.

• 580 to 669 is below average.

• 579 or less is poor.**

Source: *, **

Photo Courtesy of: investopedia



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