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Confused about credit scores and the complex ways they’re calculated? Start with a high-level understanding of scores, what affects them and where yours should be.

What is a credit score?

A credit score is a rating of your creditworthiness. It’s based on things like payment history, current debt, available credit and other factors.

So, then what’s a FICO score?1

A FICO score is a credit score provided by the Fair Isaac Corporation, and it’s calculated from a balance of different debt information about you.

Credit score examples: Good - 670, Very Good - 724, Excellent - 800

What is a good score?2

Your credit or FICO score can range from 300-850. A good score is 670 or above. Over 800 is exceptional.

How is a FICO score calculated?3

Your score is calculated based on five different factors. Each holds different weight over your score.

Looking for ways to be proactive about your score?

Taking simple steps, like using online autopay tools to prevent missed bill payments, can help you avoid potential dings on your score.

This information and recommendations contained herein is compiled from sources deemed reliable, but is not represented to be accurate or complete. In providing this information, neither KeyBank nor its affiliates are acting as your agent or is offering any tax, accounting or legal advice.

By selecting any external link on, you will leave the KeyBank website and jump to an unaffiliated third-party website that may offer a different privacy policy and level of security. The third party is responsible for website content and system availability. KeyBank does not offer, endorse, recommend or guarantee any product or service available on that entity's website.