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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. Lenders can legally request this document to 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®. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply. Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts. Other consumer accounts may also be eligible. Contact Wells Fargo for details.
Please note that the score provided under this service is for educational purposes only and may not be the score used by Wells Fargo to make credit decisions. We may use other FICO® Score versions and other information when you apply for credit. There are many factors that Wells Fargo looks at to determine your credit options; therefore, a specific FICO® Score or Wells Fargo credit rating does not necessarily guarantee a specific loan rate, approval of a loan, or an automatic upgrade on a credit card.
FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
Wells Fargo Bank, N.A. Member FDIC.
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