Scores — My Credit

: Significant difficulty being approved for new credit; rebuilding is necessary . The Five Key Factors How are FICO Scores Calculated?

A credit score is a three-digit number, typically ranging from , that acts as a financial reputation. It helps lenders predict how likely you are to repay borrowed money on time. Understanding Your Score Range my credit scores

: Likely approval for highly competitive terms . : Significant difficulty being approved for new credit;

While individual lenders set their own standards, FICO Scores (the most widely used model) are generally categorized as follows: typically ranging from

: Lenders may consider you a "subprime" borrower, leading to higher rates.

: Considered an acceptable, lower-risk borrower .