There are many benefits to being a Lenny user – and now there’s one more. Lenny users can now view their FICO® Credit Score based on information from their Equifax credit report. We’ll share it for free each month. See below for more information.

Log into the Lenny Credit app to get your FICO® Score for free now.

Why is Lenny providing me with my FICO® Score?

We think it’s important to provide our cardmembers with access to information that will help them understand and stay on top of their credit status. That’s why we are providing you with your FICO® Score and information to help you understand it.

Where does the information used to calculate my FICO® Score come from?

Lenny partners with FICO to be able to provide you with your FICO® Score.

Why is my FICO® Score different from other scores I've seen?

There are many different credit scores available to consumers and lenders. 

FICO® Scores are the credit scores used by most lenders, and different lenders may use different versions of FICO® Scores. In addition, FICO® Scores are based on credit file data from a particular consumer reporting agency, so differences in your credit files may create differences in your FICO® Scores. 

The FICO® Score 8 based on Equifax data is being made available to you through this program is the specific score that we use to manage your account. 

When reviewing a score, take note of the score date, consumer reporting agency credit file source, score type, and range for that particular score. 

If you have additional questions regarding the FICO® Score model and how it’s calculated, please refer to the FICO® Score FAQ and Understanding FICO® Scores links under the “Useful Links” section below.

What are key score factors and how do I check my credit report?

When a lender receives a FICO® Score, “key score factors” are also delivered, which explain the top factors from the information in the credit report that affected the score. 

The order in which FICO® Score factors are listed is important. The first indicates the area that most affected that particular FICO® Score and the second is the next significant area. Knowing these score factors can help you better understand your financial health over time. However, if you already have a high FICO® Score (usually in the mid-700s or higher), score factors are informative but, not as significant since they represent very marginal areas where your score was affected.

Because your FICO® Score is based on the information in your credit report, it is important to make sure that the credit report information is accurate. You may get a free copy of your credit report annually. To request a copy of your credit report, please visit: http://www.annualcreditreport.com. Please note that your free credit report will not include your FICO® Score.

I don't see my FICO® Score when I log into my account.

Your score won’t be available if:

  • You recently opened a new account
  • Your Lenny account is no longer active
  • You do not yet have enough credit history

I am a new Lenny user. Why don't I see my credit score in the app?

Sometimes it takes up to two months to update your account information with your FICO® Scores. If you are a new Lenny user and are not seeing your FICO® Scores just yet, please check back in a few weeks to see if it’s available. It is also possible that you do not have a credit history yet.

How does Lenny use FICO® Scores?

FICO® Scores are one component Lenny uses for lending and credit decisions. And, since we have the score, we want to make it available to you so you are informed about your credit status and understand what factors impact your score.

Does Lenny's access to my FICO® Score impact my credit?

The FICO® Scores that Lenny shares with you is considered a soft inquiry to the credit bureau and has no impact on your overall credit score.

What Score Model was used to calculate my score?

Your FICO® Score is calculated based on data from Equifax using the FICO®  Score 8 model.  This model has a FICO® Score range of 300 to 850.

I have additional questions regarding FICO® Scores.

Please refer to the guides Fair Isaac Corporation (FICO) has provided to help consumers better understand FICO® Scores.  Links to these documents are found under the “Useful Links” section below.

Useful Links

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