About FICO Credit Scores FICO® scores are your credit rating They range from 300-850, higher is better Most lenders base approval on them Higher scores mean lower interest rates FICO® scores are calculated based on your rating in five general categories: Payment history - 35% Amounts owed - 30% Length of credit history - 15% New credit - 10% Types of credit used - 10% We’re the inventor of the FICO® score We’re the only site offering all 3 of your FICO® scores The median FICO® score in the U.S. is 723