Whether applying for a credit card, mortgage, or auto loan, there’s a good chance the lender is using FICO® Scores to help make their approval decision. The good news is, FICO® Scores are ultimately in the individual’s hands—as they’re based on the person’s credit habits and behaviors.

That’s why understanding what goes into FICO® Scores is a vital part of a person’s financial health. Watch this video to learn the five key categories that factor into FICO® Scores.


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

Lenny Credit and Fair Isaac are not credit repair organizations as defined under federal and state law, including the Credit Repair Organizations Act. Lenny Credit 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.

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