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Credit 101

Learn the basics of credit

Understand credit scores

Learn the about credit scores vs. reports, how credit scores are calculated and the difference between scores.

The difference between credit scores and reports

How credit scores are calculated

Why are there so many credit scores

The 5 C’s of Credit

Learn what lenders look for when they review credit applications.

Getting a loan


Access your FICO® Credit Score

Available for eligible Wells Fargo customers

Learn more about FICO® Score access


Know your debt-to-income (DTI) ratio

Learn how DTI is calculated, what it means, and why it matters.

Debt-to-Income Ratio