FICO Fact Sheet

Calculating Your FICO Score

30% of the FICO Credit Score is based on Amounts Owed. This is calculated from:

• Total Credit Limit
• Total Amount Owed
• A good rule of thumb, keep balances below 25% of available credit

35% of the FICO Credit Score is based on Payment History. This is calculated from your ability to pay everything on time!

10% of the FICO Credit Score is based on New Credit. This is calculated from the number of new accounts/inquiries in a 12 month period.

15% of the FICO Credit Score is based on Length of Credit History. This is calculated from:

• Age of Oldest Account
• Age of Newest Account
• Average Age of all Accounts

10% of the FICO Credit Score is based on Credit Mix. This is calculated from a good mix of credit sources. An example of a good mix would be:

• 3 Credit Cards
• 1 Mortgage
• 1 Car Loan

(Yes... You are just a number)

850-800 Exceptional - 799-740 Very Good - 739-670 Good
699-580 Fair - 579-300 Poor

• 65% of consumers - 650 and above
• 53% of consumers - 700 and above
• 38% of consumers - 750 and above

• National Median Score - 711
• PA Median Score - 728-737
• MSDFCU Premium Pricing 740 and above