FICO Score
A FICO score is a credit score produced by Fair Isaac Corporation, ranging from 300 to 850, used by most lenders. It weighs payment history, amounts owed, length of history, new credit, and credit mix.
Why it matters in credit repair
FICO is the score most mortgage and auto lenders actually use, and many FICO versions exist. Inaccurate underlying report data — not the formula itself — is what a credit-repair process can address.
How it appears on a credit report
The score is calculated from the report's data; it is not stored on the report. The same file can yield different FICO versions and numbers.
Example
A borrower's mortgage FICO differs from a free app's score because lenders and apps use different models and data weightings.
Common misunderstanding
Consumers often think they have one FICO score. There are many FICO versions, and lenders in different industries use different ones.
Related terms
See where your file stands
Pinnacle's free credit diagnosis returns a written verdict within 48 hours.
Pinnacle Credit Repair does not guarantee the removal of accurate, timely, and verifiable information. Results vary based on the facts of each credit file, creditor responses, bureau investigations, documentation, and applicable law.
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