What goes into FICO® Scores?

Whether you’re applying for a credit card, mortgage, or auto loan, there’s a good chance your lender is using FICO® Scores to help make their approval decision. The good news is, your FICO® Scores are ultimately in your hands—they’re based on your credit habits and behaviors.

That’s why understanding what goes into your FICO® Scores is a vital part of your credit health. Watch this video to learn the five key categories that factor into your scores.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

Harvard University Employees Credit Union and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Harvard University Employees 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.

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