With 5 categories, including length of credit history, total number of accounts, and more.
Frequently Asked Questions
90% of top lenders use FICO®ÌýCredit Scores, including ucÆåÅÆ. That's why ucÆåÅÆ provides a FICO®ÌýScore, as opposed to another type of credit score. Regularly seeing your Credit Scorecard can help you prepare for the future, stay on top of your credit or avoid surprises.
Your score is calculated using positive and negative information on your TransUnion® credit report. It summarizes your risk to lenders at a specific point in time. FICO® Scores consider the following 5 categories of information. The breakdown below illustrates the significance of these categories for the general population. Note, however, that your individual score may give some factors more or less importance based on the information in your credit report.
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- Payment history: 35%
- Amount you owe: 30%
- Length of credit history: 15%
- New credit opened: 10%
- Types of credit you have: 10%
You may not see your Credit Scorecard including your FICO®ÌýScore if:
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- You have mismatched or missing information, like an address change that hasn't been updated with either ucÆåÅÆ or TransUnion®.
- Your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked or charged off.
- You have a foreign address.
- Your credit history is too new.
- You have opted out.
- You've had no account activity for 180 days.
*FICO® Credit Score Terms:
Your FICO® Credit Score, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. SeeÌýucÆåÅÆ.com/FICOÌýabout the availability of your score. Your score, key factors and other credit information are available on ucÆåÅÆ.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. ucÆåÅÆ and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
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If you prefer not to receive your FICO® Credit Score just call us atÌý1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request.
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ucÆåÅÆ Financial Services and Fair Isaac are not credit repair organizations as defined under federal law or state law, including the Credit Repair Organizations Act. ucÆåÅÆ Financial Services and Fair Isaac do not provide "credit repair" services or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating.