Everything about your score, in plain language

Two main scoring models

FICO and VantageScore are the two scoring models most lenders use. Both report on a 300–850 scale but weight the underlying factors slightly differently. Learn more about the ranges and how each is calculated.

The five factors

• Payment history (~35%)
• Amounts owed / utilization (~30%)
• Length of credit history (~15%)
• Credit mix (~10%)
• New credit / inquiries (~10%)

Read the full breakdown: Understanding what's affecting your credit report.

Which score does your lender see?

It depends on the product. Mortgage lenders typically pull all three bureaus and use the middle FICO. Auto lenders use auto-enhanced FICO. Card issuers usually pull one bureau. See what mortgage lenders actually look for and preparing your credit for an auto loan.

How often should you check?

Checking your own credit is a soft inquiry and never affects your score. See how often should you check your credit.