myFICO®

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The higher your FICO® scores the less you can expect to pay for your loan.

How FICO® Credit 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 credit 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® credit scores affect both how much and what loan terms (interest rate, etc.) lenders will offer you at any given time.
  
• Taking steps to improve your FICO® scores can help you qualify for better rates from lenders.
  

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