FICO has over a dozen credit score versions. For example, FICO Score 8 is the most widely used version by lenders and is typically the best one to check to get an overall idea of where you stand.
However, when it comes to taking out a loan for a new home, you'll want to check your FICO Scores 2, 4 and 5 since those are the versions used in mortgage lending. With all the different versions to keep track of, you might want to consider signing up for FICO's credit monitoring service so you can get access to 28 different versions of your FICO Score. This will allow you to know the most accurate credit score whatever you're applying for, whether it's a credit card or an auto loan.
Read Select's full comparison of each FICO plan , and what they each have to offer, so you can decide what amount of coverage is best for you. Skip Navigation. Follow Select. Our top picks of timely offers from our partners More details. SoFi Personal Loans. LightStream Personal Loans. We may receive a commission from affiliate partner links. Click here to read more about Select.
Credit scores are used by potential lenders and creditors, such as banks, credit card companies or car dealerships, as one factor when deciding whether to offer you credit, like a loan or credit card. It's important to remember that everyone's financial and credit situation is different, and there's no "magic number" that may guarantee better loan rates and terms. Although ranges vary depending on the credit scoring model, generally credit scores from to are considered fair; to are considered good; to are considered very good; and and up are considered excellent.
Higher credit scores mean you have demonstrated responsible credit behavior in the past, which may make potential lenders and creditors more confident when evaluating a request for credit. Lenders generally see those with credit scores and up as acceptable or lower-risk borrowers. Different lenders have different criteria when it comes to granting credit, which may include information such as your income or other factors. That means the credit scores they accept may vary depending on that criteria.
Credit scores may differ between the three major credit bureaus Equifax, Experian and TransUnion as not all creditors and lenders report to all three. Many creditors do report to all three, but you may have an account with a creditor that only reports to one, two or none at all. In addition, there are many different scoring models available, and those scoring models may differ depending on the type of loan and lenders' preference for certain criteria.
Here are some tried and true behaviors to keep top of mind as you begin to establish — or maintain — responsible credit behaviors:. You can also create a myEquifax account to get six free Equifax credit reports each year. Learn what it takes to achieve a good credit score. The purpose of this question submission tool is to provide general education on credit reporting.
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