What’S The Difference Between A Credit Score And A Fico Score?


A credit score and a FICO score are both numerical representations of an individual’s creditworthiness, but there are key distinctions between the two metrics.

Credit Score

A credit score is a three-digit number ranging from 300 to 850 that summarizes an individual’s credit history and financial behavior. It is calculated by credit bureaus using factors such as payment history, credit utilization, length of credit history, new credit accounts, and credit mix.

FICO Score

A FICO score, on the other hand, is a specific type of credit score developed by the Fair Isaac Corporation. While FICO scores also range from 300 to 850, they are calculated using a proprietary algorithm that weighs credit factors differently than other credit scoring models.


One of the key differences between a credit score and a FICO score is the calculation method. While credit scores may vary depending on the scoring model used, FICO scores are consistent across all credit bureaus. Additionally, FICO scores are widely used by lenders to determine credit risk, making them particularly important for individuals seeking loans or credit.

Understanding the distinctions between a credit score and a FICO score can empower individuals to take steps to improve their creditworthiness and make informed financial decisions. Monitoring both scores regularly and addressing any discrepancies or negative factors can help individuals maintain healthy credit profiles and secure favorable lending terms.

Angie Mahecha

An fitness addict passionate about all things nature and animals, Angie often volunteers her time to NGOs and governmental organizations alike working with animals in general and endangered species in particular. She covers stories on wildlife and the environment for the Scientific Origin.