What Is a Good FICO® Score?
FICO® creates different types of consumer credit scores. There are "base" FICO® Scores that the company makes for lenders in multiple industries to use, as well as industry-specific credit scores for credit card issuers and auto lenders.
The base FICO® Scores range from 300 to 850, and FICO defines the "good" range as 670 to 739. FICO®'s industry-specific credit scores have a different range—250 to 900. However, the middle categories have the same groupings and a "good" industry-specific FICO® Score is still 670 to 739.
Daily Monitoring
Active credit monitoring allows you to stay on top of your FICO® Scores. You also receive monitoring alerts for suspicious activity such as new credit inquiries, new loans and delinquent accounts that are reported in your name.
Identity Theft Protection
Along with credit monitoring, you receive identity theft protection with benefits that include monitoring for use of your Social Security number, dark web monitoring, enhanced change of address notifications and searching national and international criminal record databases for identity thieves committing crimes in your name.
Benefits
Credit Reports & Scores
Get your complete credit outlook as well as insights into your credit report profile from all three credit reporting bureaus (TransUnion®, Experian™ and Equifax®).
Credit Monitoring
Monitoring can alert you to suspicious activity as well as to new accounts and other changes. Our U.S.-based customer service team of experts can assist you with questions if anything looks suspicious.
ID Theft Monitoring
Your identity goes beyond your credit report. We actively monitor your Social Security number, change-of-address notifications, international and national most-wanted lists, and for your information on the dark web.
Identity Theft Insurance
With up to $1 million in identity theft insurance that covers out-of-pocket expenses, lost wages, legal advice, and lost funds, you have financial peace of m
Now with ScoreCasterIQ
The ScoreCasterIQ tool goes beyond the typical credit report or credit score simulator. The ScoreCasterIQ report provides a detailed analysis of the credit report, recommended actions to take with accounts negatively impacting the score, and an interactive tool to educate and assist with general credit score scenarios.
Credit Reporting
The ScoreCasterIQ report includes customized analysis that can help a consumer determine which accounts are impacting their score. It highlights elements of each account that should be reviewed for accuracy and includes links to specific recommendations.
Recommendations
ScoreCasterIQ recommendations include a summary of all recommended actions based on the current credit report. These may include actions for the customer to consider that will have an impact in the short-term, like paying down debt or utilizing an existing account.
Simulations
ScoreCasterIQ simulations help consumers identify the best potential way to positively manage their score in the short-term using one of two methods; “target score” or “best use of funds”. Target score simulations provide specific recommendations to reach the consumer’s credit score objective.
