The best way to stay on top of your FICO® Score and better understand your financial possibilities is to educate yourself. Fair Isaac provides a wealth of information regarding FICO® Scores as well as how to stay on top of your credit. Use the links below for more FICO® Score Credit Education.

What is a good FICO® Score?

Color
FICO® Scores
Rating
What FICO® Scores in this range mean
LT 580
Poor
Your score is well below the average score of U. S.consumers and demonstrates to lenders that you are a risky borrower.
580 to 669
Fair
Your score is below the average score of U. S.consumers, though many lenders will approve loans with this score.
670 to 739
Good
Your score is near or slightly above the average of U. S. consumers and most lenders consider this a good score.
740 to 799
Very Good
Your score is above the average of U. S. consumers and demonstrates to lenders that you are a very dependable borrower.
800+
Exceptional
Your score is well above the average score of U. S. consumers and clearly demonstrates to lenders that you are an exceptional borrower.
Click Here for Frequently Asked Questions about FICO® Scores

What's in FICO® Scores: The 5 Key Ingredients

FICO® Scores take into consideration five main categories of information in a credit report. The chart below shows the relative importance of each category to FICO® Scores.

Clackamas Federal Credit Union and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Clackamas Federal Credit Union and Fair Isaac do not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating.

FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

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