Credit Scores

When you apply for credit, lenders determine your credit risk by examining your credit scores, also known as FICO® scores because they are calculated with software developed by Fair Issac and Company. The two main credit bureaus – TransUnion and Equifax - keep credit information about you that is used to calculate your FICO scores. Such information includes your payment history, the amount of money you owe, the length of your credit history, and the number of recently opened credit accounts.

Your FICO scores guide lenders as to what your credit risk is. Scores range from 300 to 850. The higher your score, the lower your perceived risk to a lender.

Score Chart

To get a free estimate of your credit score, visit

Keep Your Credit Score Strong

Without a credit rating, it is unlikely that a financial institution will lend you money. Building a good credit rating is not rocket science.

Take a step in the right direction by:

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