Credit Scores

Learn more about your Credit Score

Credit Scores reflect your history of managing credit and repaying debt. They help to determine the interest rates available to you and the loan options you qualify for.

1. The Players - 3 main credit
    reporting agencies

  • Equifax - Beacon Score
  • Transunion - FICO (Risk Score)
  • Experian – FICO (Experian/Fair Isaac Score)

2. Ranges

  • Scores range from 300-850
  • Scores below 620 are considered high credit risk
  • Scores over 660 are below average risk

3. Five Factors that make up credit scores