Fico Score Chart

Fico Score ChartFico is the leading credit score. More than 90% of creditors and lenders are relaying on FICO for making their lending decisions and determining your terms.

Fico score chart ranges from 300 to 850, and is further divided to 6 risk categories:

  • 700–850     Excellent
  • 680–700     Good
  • 620–680     Average
  • 580–620     Low
  • 500–580     Poor
  • 300–500     Bad

Fico Score Breakdown
The FICO score furmula takes into consideration 5 factors:

 FICO Score Chart

See FICO Score Rating for a detailed explanation.





Understanding Fico Scores
Fico credit score has actually 3 different versions, each used by different lenders for different purposes:

  • The “Standard” version is the only version that’s available to consumers. It is a generic version of Fico, which slightly differs from the versions lenders use.
  • The “Auto Enhanced” version is used by car dealers.
  • The “Factual” version is used by mortgage brokers.

Because each version assigns different weights to different factors – the scores between them can vary by 50-100 points. All three FICO versions run on the same scale (300–850), as can be seen in the following graphic view of the Fico score range:

Fico Credit Score Scale

For more information on the different versions of Fico scores see Understanding Fico Scores.

How does my score influences me financially?
If you’re concerned about your Fico score and want to know how does it influence you financially, see What Are Good Credit Scores.