In U.S. personal finance, the standard FICO credit-score range is 300 to 850.
FICO scores are calculated from information in consumer credit reports. Common scoring factors include payment history, amounts owed, length of credit history, new credit, and the mix of credit types. The exact model and the information available can affect an individual score.
A higher score generally indicates lower predicted credit risk, but lenders set their own approval and pricing standards. Different lenders may use different FICO versions, industry-specific scores, or other scoring systems. Therefore, a score shown by one service may not match the score used by a particular lender.
Credit scores are not the same as credit reports. A report contains account and payment information, while a score summarizes selected information numerically. Regular on-time payments and moderate balances can support a stronger score over time.