Interpreting Your Score
When a lender receives your Fair Isaac credit bureau
risk score, up to four “score reasons” are also delivered.
These are the top reasons why your score was not
higher. If the lender rejects your request for credit, and
your FICO score was part of the reason, these score
reasons can help the lender tell you why your score
These score reasons are more useful than the score
itself in helping you determine whether your credit
report might contain errors, and how you might improve
your credit health. However, if you already have a high
score (for example, in the mid-700s or higher) some of
the reasons may not be very helpful, as they may be
marginal factors related to the last three categories
described previously (length of credit history, new
credit and types of credit in use).
To see your own FICO score and reason codes with a
detailed explanation on how you can improve the score
over time, visit www.myfico.com.