There is more than one FICO Score
Base FICO Scores range from 300 to 850. Industry-specific versions can use a 250-900 range. Identify the model version, bureau, and date before comparing results.
A score summarizes modeled credit risk from the relevant credit file. It is not the same as a credit report or a collection system's recovery score.
Main factor categories
FICO describes general factor weights as payment history (35%), amounts owed (30%), credit history length (15%), new credit (10%), and credit mix (10%). These are broad population-level explanations, not a personal point-allocation calculator.
The amounts-owed category includes more than revolving utilization. Income is not an input to a standard FICO Score, so the score alone does not establish current affordability.
Use in finance workflows
Lenders may consider scores alongside other permitted information. A high score does not guarantee approval, and a low score does not establish fraud or inability to pay.
Obtain and use credit information only for authorized, legally permitted purposes. A score does not determine collection rights.
Sources: FICO model versions and FICO factor explanations.