FICO Score
A FICO Score is the most widely used credit score, ranging from 300 to 850.
FICO is what most lenders actually use. It is built mostly from payment history (35%) and how much of your credit you use (30%), with length of history, credit mix, and new credit making up the rest.
Not sure how this affects your score? We'll walk through your report with you.
Mesa Group Consulting helps Bakersfield and Kern County families read their credit reports and dispute what is wrong, in English, Spanish, and Punjabi.
Related terms
VantageScore
VantageScore is a credit score model built by the three bureaus, also ranging from 300 to 850.
Credit utilization
Credit utilization is how much of your available credit you are using — one of the biggest factors in your score.
Delinquency
A delinquency is a missed or late payment, usually reported once you are 30 or more days past due.