The best way to stay on top of your FICO® Score and better understand your financial possibilities is to educate yourself. Fair Isaac provides a wealth of information regarding FICO® Scores as well as how to stay on top of your credit. Use the links below for more FICO® Score Credit Education.
| What FICO® Scores in this range mean | |||
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Your score is well below the average score of U. S.consumers and demonstrates to lenders that you are a risky borrower. | ||
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Your score is below the average score of U. S.consumers, though many lenders will approve loans with this score. | ||
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Your score is near or slightly above the average of U. S. consumers and most lenders consider this a good score. | ||
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Your score is above the average of U. S. consumers and demonstrates to lenders that you are a very dependable borrower. | ||
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Your score is well above the average score of U. S. consumers and clearly demonstrates to lenders that you are an exceptional borrower. | ||
| Click Here for Frequently Asked Questions about FICO® Scores | |||
What's in FICO® Scores: The 5 Key Ingredients
FICO® Scores take into consideration five main categories of information in a credit report. The chart below shows the relative importance of each category to FICO® Scores.
Embold Credit Union and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act.
Embold Credit Union and Fair Isaac do not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record,
credit history or credit rating.