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Building credit and maintaining a good credit history are key steps towards building your financial future. At first, credit may seem frustrating — you can't get credit because you’ve never had credit. But there are actions you can take to start establishing a strong credit history.
Your credit score is one of the most important measures of your creditworthiness, and it’s based on metrics developed by Fair Isaac Corporation (FICO®). The higher your score is, the less risky you are to lenders.
Your credit report tells potential lenders how responsible you’ve been with credit in the past. When you apply for credit, lenders can request this document from one or more of the consumer reporting agencies (Experian®, Equifax® and TransUnion®) to help assess how risky it is to lend to you.
You must be the primary account holder of an eligible Wells Fargo consumer account with a FICO® Score available, and enrolled in Wells Fargo Online®. Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts, but other consumer accounts may also be eligible. Contact Wells Fargo for details. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier’s message and data rates may apply.
Please note that the score provided under this service is for educational purposes and may not be the score used by Wells Fargo to make credit decisions. Wells Fargo looks at many factors to determine your credit options; therefore, a specific FICO® Score or Wells Fargo credit rating does not guarantee a specific loan rate, approval of a loan, or an upgrade on a credit card.
Wells Fargo Bank, N.A. Member FDIC.
FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
QSR-0323-00567
LRC-0223
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