理解你的FICO® Score can help you achieve and maintain a high credit score which can provide you with more financial possibilities.
What is a FICO® Score?
Your credit score summarizes your credit risk based on the information in your credit report at any given time. In general, the higher your score, the lower the risk to a potential lender. 最常用的分数是FICO® 分数，由Fair Isaac公司创建. FICO® Scores are available through all three major reporting agencies – Experian, Equifax, and TransUnion.
The FICO® 乐鱼下载提供的分数是 FICO® Auto Score 8 基于Equifax数据，可以随时在线查看. 当你的FICO® Score will always be available online, it is only retrieved from Equifax and updated monthly. 这个分数从250到900不等. 分数越高，分数越高.
Higher FICO® Scores are a result of healthy credit behaviors, and the best way to get and maintain a higher FICO® Score is to demonstrate good financial decisions over time.
FICO® 分数计算 from many different pieces of credit data in your credit report. This data is grouped into five categories as outlined below. The percentages in the chart reflect how important each of the categories is in determining how FICO® 分数计算.
- Payment history (35%的分数):
- Amounts owed & utilization (30%的分数):
Balances of loans and utilization of credit compared to how much you have available
- 信用记录的长度 (分数的15%):
- New credit (分数的10%):
- Credit mix (分数的10%):
你的信用混合, retail accounts, 分期付款贷款, 为公司账户和抵押贷款提供财务支持
Keep balances low on credit cards and other "revolving credit". (越低越好)
Don't close unused credit cards in an attempt to raise your scores.
Rate shop for a given loan within a short period of time to avoid multiple inquiries on your report.
项目参与者将收到更新后的FICO® Auto Score 8 based on Equifax Data on a monthly basis, when available.
No. The FICO® 乐鱼下载提供给您的分数不会影响您的信用.
Why is my FICO® 分数不能使用?
有几个可能的原因，你的FICO® 分数现在可能无法获得. 这些原因包括:
- 你是FCU的新成员. It may take a month or 2 before your score is available as part of our monthly score refresh process
- You do not have enough credit (loan) history to have a score
- Your score was temporarily unavailable at the time of our monthly score refresh process
这些信息用于计算我的FICO® Score come from?
A FICO® Score is based on the credit information in a credit file with a particular consumer reporting agency (CRA) at the time the score is calculated. The information in your credit files is supplied by lenders, collection agencies and court records. 并非所有贷款机构都向三大信用评级机构报告. The FICO® Score that we provide to you is based on data from your Equifax report as of the ‘pulled on date’ shown with your score.
当贷款人收到FICO时® Score, “关键得分因素”也提供, which explain the top factors from the information in the credit report that affected the score. FICO的顺序® 分数因素列出是很重要的. The first indicates the area that most affected that particular FICO® 得分和第二个是下一个显着的区域. Knowing these score factors can help you better understand your financial health over time. 然而，如果你已经有一个高FICO® 得分(通常在700分左右或更高), 得分因素是有信息的，但是, not as significant since they represent very marginal areas where your score was affected.
Why is my FICO® 和我见过的其他分数不一样?
There are many different credit scores available to consumers and lenders. FICO® 分数是大多数贷方使用的信用分数, and different lenders may use different versions of FICO® Scores. 此外,FICO® Scores are based on credit file data from a particular consumer reporting agency, so differences in your credit files may create differences in your FICO® Scores. The FICO® Auto Score 8 based on Equifax Data that is being made available to you through this program is the specific score that FCU uses to manage your account. 看分数的时候, 记下比赛日期, 消费者报告机构信用档案来源, score type, 以及特定分数的范围.
Why do FICO® 成绩波动/改变?
分数改变的原因有很多. FICO® 每次申请时都会计算分数, taking into consideration the information that is in your credit file from a particular consumer reporting agency (CRA) at that time. So, as the information in your credit file at that CRA changes, FICO® 分数也可以改变. 回顾你的关键得分因素, which explain what factors from your credit report most affected a score. Comparing key score factors from the two different time periods can help identify causes for a change in a FICO® Score. Keep in mind that certain events such as late payments or bankruptcy can lower FICO® Scores quickly.
因为你的FICO® 分数是基于你的信用报告中的信息, it is important to make sure that the credit report information is accurate. 您每年可以得到一份免费的信用报告. 如欲索取阁下的信用报告副本，请浏览: http://www.annualcreditreport.com. Please note that your free credit report will not include your FICO® Score.
回顾你的FICO® Scores can help you learn how lenders view your credit risk and allow you to better understand your financial health.
As a member of the credit union, you’re entitled to a free credit report analysis. Call or stop by your local branch to take advantage of this free service. The tools are all available to you, it's up to you to be proactive about your credit score!
要了解更多信息，请查看 FICO® Score FAQs and 理解FICO® Scores.
FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. 乐鱼下载 and Fair Isaac are not credit repair organizations as defined under federal or state law, 包括《乐鱼下载》. 乐鱼下载 and Fair Isaac do not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, 信用记录或信用等级.