Consumer Credit Education
Five Pillars. One Number.
A standard FICO score is determined by five weighted categories. Tap each factor to discover how it impacts your credit profile.
Your record of paying accounts on time. A single reported 30-day late payment can severely depress scores for months or years.
Clean My Credit Pro Role: How we assist: We cross-reference every derogatory reporting entry with your real bank and creditor statements, disputing unverifiable or incorrect entries.
FICO Model Notice: Weights shown reflect standard general FICO scoring models. Specific industry versions (such as FICO Auto Score or mortgage scoring models) and VantageScore may utilize differing mathematical weighting.