![]() ![]() The most widely used credit scores are FICO Scores, the credit scores created by Fair Isaac Corporation. So where do these numbers come from? A credit score is calculated by using information from your credit report like payment history, the amount of debt you have, and the length of your credit history, but there are different scoring models that go off of different factors. consumers and clearly demonstrates to lenders that you are an exceptional borrower.Īs of April 2021,⁷ the percentage of Americans who fall into each credit score range is below:
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