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Learn about your credit report and how to get a copy | USAGov

: Variety of account types (e.g., credit cards, mortgages). 10% New Credit : Recent inquiries and newly opened accounts. How to Access Your Information creditscoreinformation

The FICO model calculates your score based on five key components: : Records of on-time or missed payments. 30% Amounts Owed : Total debt and credit utilization ratios. Learn about your credit report and how to

Credit Score Overview A credit score is a typically ranging from 300 to 850 that summarizes your creditworthiness. Higher scores indicate to lenders that you are a lower-risk borrower. Common Credit Scoring Models 30% Amounts Owed : Total debt and credit utilization ratios

: How long accounts have been open.

: Created collaboratively by the three major bureaus (Experian, TransUnion, and Equifax ) in 2006. Score Ranges (General) Exceptional/Excellent : 800–850 Very Good : 740–799 Good : 670–739 Fair/Average : 580–669 Poor : 300–579 Factors Influencing Your Score