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A credit score is a snapshot of your credit risk picture at a particular point in time stated as a number. Credit scores can range from 300 to 830. The higher the score, the better. It changes as information is added, changed or removed from a credit report. There are many scores and score models available to lenders. UFCU uses the Fair, Isaac & Co. (FICO) score. A credit score is calculated by a mathematical equation that evaluates many types of information from a credit report. By comparing this information to the patterns in hundreds of thousands of past credit reports, the score predicts the future level of credit risk.
5 factors that determine your credit score:
Here are some tips to improve your score: