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Credit Close-UpSM

Get score savvy

Own the skills to track your FICO® Score, raise it or maintain it.
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With Credit Close-UpSM, you have free and easy access to your monthly credit update which includes:


FICO® Credit Score 9 from Experian

Simple access via Wells Fargo Online, to help you know where you stand.


Credit Report

Full access to your Experian credit report giving you an in-depth look at your credit.


Personalized Score and Tips

To help you maintain or improve your score.


Monthly Score History

To help you track your score over time.


Credit Close-Up is complimentary to Wells Fargo Online® customers, and using it won't affect your score.


The Credit Close-Up app displaying a sample FICO® Score of 712 Opt in to get the full picture of your FICO® Score

Follow these steps to enroll or re-enroll in the new enhanced Credit Close-Up:

  • Go to "View my Score" below
  • Look for the View your FICO® Credit Score link on the account summary screen
  • Review the terms and enroll to view your score and report


Credit Close-UpSM FAQs

Top questions

What is a FICO® Score?

FICO® Scores, created by the Fair Isaac Corporation (FICO), are the credit scores most widely used in lending decisions. Lenders can request FICO® Scores from all three major credit bureaus (Experian®, Equifax®, and Transunion®). FICO develops FICO® Scores based solely on information in consumer credit files maintained at the bureaus.

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.

When will my FICO® Score update?

This FICO® Score is updated monthly, and you can expect to see your updated score on or around the same day each month. Scores reflect data from your credit file at the time it was calculated and may be from a previous period.

Why is this FICO® Score different than other scores I’ve seen?

While Wells Fargo uses FICO® Score 9 for some credit decisions, there are many different credit scores available to consumers and lenders. FICO® Scores are the credit scores used by most lenders, but different lenders (such as auto lenders and credit card lenders) may use different versions of FICO® Scores. Scores are pulled from a specific credit bureau on a certain date and reflect the information at the bureau as of that specific date. The differences in your credit files and the timing may create variations in your FICO® Scores. When reviewing a score, take note of the date, bureau credit file source, version, and range for that particular score.

Will accessing my FICO® Score from Wells Fargo impact my score?

No. Getting your FICO® Score results is a "soft inquiry" on your credit report and does not affect your credit score. You can check your score here as often as you’d like, without impacting your score.

Is the FICO® Score I'm seeing the same score Wells Fargo uses when I apply for a new account?

This score is for educational purposes. When you apply for credit, we’ll request a score specifically for that product. The score we request as part of your credit application may not be the same type or from the same credit bureau as this FICO® Score 9.

Why is Wells Fargo providing access to a FICO® Score 9 version?

Wells Fargo is providing you with access to your FICO® Score 9, which is one of the newest versions available. This score is for educational purposes and provided to you as a benefit to help support your understanding of FICO® Credit Scores and how they’re calculated. It may or may not be the score Wells Fargo uses to make credit decisions.

I don't agree with my FICO® Score or score ingredients. What should I do?

If you feel information is inaccurate, your next step should be to review the details in your credit report. If there's incorrect information within your Experian credit report, you may want to submit a dispute directly with the lender or company that provided the information to the credit-reporting company. Include any documentation you have, such as copies of a canceled check or payment verification email. For questions about Wells Fargo accounts, contact us anytime.

If the creditor investigates and agrees there was an error, they'll send an update to all the credit bureaus it reports to and have the late payment corrected or deleted. You can monitor your credit reports for the changes, which may take several billing cycles to appear.

Accessing Your FICO® Score through Wells Fargo Online®

How will I know if my FICO® Score is available?

If your account is eligible, the link to View Your FICO® Credit Score will automatically display on your Account Summary screen. Just select the link to opt in and view your FICO® Score.

Note: You can also access your FICO® Score in Spanish with your smartphone.

  • Direct your mobile browser to wellsfargo.com or download the Wells Fargo Mobile® app.
  • You can update your setting any time on the Language Preference screen. Just sign on to your account, go to the Profile and Settings menu, and select Language Preference.

I opted in, but it says, "No score is available." Why?

The most common reasons a score may not be available:

  • The credit report may not have enough information to generate a FICO® Score (at least one account must be reported in the past 6 months.)
  • The credit bureau wasn't able to completely match your identity to your Wells Fargo Online® information. To keep your information current, sign on to Wells Fargo Online, visit the Profile and Settings menu, select My Profile and then Update Contact Information. Make sure your email addresses, phone numbers, and mailing addresses are current.
  • If you've frozen your credit with the credit bureau, you may not immediately receive a credit score. A score should become available for you to view after the next monthly update. Contact Experian® with further questions.

Why can I see my FICO® Score, but others on my account can't see theirs?


You can see your FICO® Score because you are the primary account holder of an eligible account. Others may not be able to view their scores if:

  • They recently opened a new account
  • They're an authorized user on someone else's account
  • They have a billing statement in someone else's name
  • They do not have an eligible account in Wells Fargo Online®

What are the minimum requirements to produce a FICO® Score?

In order for a FICO® Score to be calculated, a credit report must contain these minimum requirements:

  • At least one account that has been open for six months or more.
  • At least one account that has been reported to the credit reporting agency within the past six months.
  • No indication of deceased on the credit report (Please note: if you share an account with another person and the other account holder is reported deceased, it is important to check your credit report to make sure you are not impacted).

What if I don't want Wells Fargo to display my FICO® Score anymore?

You can opt out of the service at any time. On the FICO® Score screen, select the I no longer want Wells Fargo to display my FICO® Score link. If you decide to start the service again in the future, you can select View

Your FICO® Credit Score on the Account Summary and follow the instructions to opt back in.

Your credit score

Why is checking my credit score important?

Credit scoring can be complex and takes into account a number of factors that could impact your overall creditworthiness. Your credit score includes the positive and negative factors affecting your credit. Checking it regularly may help you understand what you're doing well, and offers guidelines on how to improve your credit. Understanding your score can help you manage your credit and your overall financial health.

Where is Wells Fargo getting this score?

We get your FICO® Score from Experian, one of three major consumer-reporting agencies. This score is for educational purposes and provided to you as a benefit to help support your understanding of FICO® Credit Scores and how they're calculated. It may or may not be the score used by Wells Fargo to make credit decisions.

We'll continue to show you your FICO® Score as long as your Wells Fargo account stays active or until you choose to stop displaying your score.

What is credit utilization?

Credit utilization is the percentage of your credit limits that you're using. For example, if you have an account with a credit limit of $1,000 and your balance is $100, your credit utilization is 10%. Utilization is calculated for both your individual accounts and a total utilization rate on your revolving debt, like credit cards, and lines of credit. Most experts recommend trying to stay below 30% of your limit on any card, the lower the better, while still keeping your accounts active. Lenders view high credit utilization and "maxing out" credit cards as risky.

Does utilization matter if I pay my accounts in full each month?

Sometimes. Typically, card issuers report your balances to the credit bureaus once per month, so your utilization ratio is based on what your balance is on that day. If you pay off the account the day after the balance is reported to the bureau, it would not be reflected on your credit report. Consider making frequent payments on your revolving accounts throughout the month. If you are able to keep your balance low throughout the billing cycle, you don't need to worry about the date your balance is reported to the bureau.

How is the age of my accounts calculated?

Credit bureaus use the average age of all of your accounts. This accounts for 15% of your overall score. Keeping your accounts open and active helps you build the age of your credit file, and helps with credit utilization, which makes up 30% of your score.

Should I close my credit card accounts?

Keeping your accounts open, even if you don't use them often, can help build your credit history and contribute to your utilization ratio. You might consider closing an account, though, if it keeps you from charging up a high balance or to avoid an annual fee.

When does a late payment report as delinquent?

If you are less than 30 days late, you may incur late fees on your account, but it will not show on your credit report. Once a payment is at least 30 days past due, it is reported delinquent and can damage your credit score. Credit-reporting agencies track how many times in the past seven years accounts are reported 30, 60, or 90 days late. To limit damage to your score, work to bring your account current as soon as you can and make all further payments on time.

How much does payment history impact my credit score?

Your payment history is the biggest factor in your score, making up 35% of your FICO® Credit Score. Lenders look at your payment history to see how you have managed your credit in the past. Making your payments on time will ensure your accounts are in good standing.

Why do FICO® Scores fluctuate?

There are many reasons why your score may change. FICO® Scores are calculated each time they are requested, taking into consideration the information that is in your credit file from a particular consumer reporting agency at that time. 

So, as the information in your credit file at that bureau changes, your FICO® Scores can also change. Review your key score factors, which help explain what factors from  your credit report most affected a score. Comparing key score factors from the two different time periods can help identify causes for changes in FICO® Scores. Keep in mind that certain events such as late payments or bankruptcy can lower your FICO® Scores quickly.

Your credit report

What is included in a credit report?


Your credit report is a summary of your relationship with credit. It includes some personal identifying information as well as your credit account history, credit inquiries, and public records.

  • Personal identifying information: Your full name along with variations that have been used, current and past addresses, date of birth, social security numbers and its variations, and employer information
  • Accounts: Revolving credit and installment loans including account status, contact information, credit limits or loan amounts, recent payments, and individual or joint responsibility
  • Payment information: Monthly payment information on all accounts
  • Public records: Including bankruptcies, tax liens, and civil judgments
  • Debts: Debts owed on all accounts including mortgages, credit cards, and auto loans
  • Hard inquiries: Requests to check your credit, usually made by a lender so they can evaluate your creditworthiness when making decisions about a loan or credit application
  • Derogatory information: Including late payments, collections, settled accounts, repossession or voluntary surrender, charge offs, and other derogatory items

Why is my credit report important?

Your credit report provides information for lenders and others about how you make payments, your current and past credit mix, and whether your accounts are (or have been) in good standing. This information can help determine the terms you’re offered when you apply for new credit.

What is the hard vs. soft inquiry?

A hard inquiry will occur when you have applied for something (a loan or credit card, an apartment, etc.). Hard inquiries make up 10% of your score, so recent activity can temporarily take points off your score.

A soft inquiry is not related to an application (checking your own credit or when a lender pre-qualifies you for a product offer). Soft inquiries don't affect your credit.

How long will a credit inquiry stay on my credit report?

Hard inquiries may stay on your credit report for two years, although they typically only affect your credit scores for one year. Having several hard inquiries within a short time may have a greater impact, except in certain cases (auto loan or mortgage loan shopping made within a short period). Even so, the effect of each hard pull diminishes with time.

Checking your own credit report or using credit-monitoring services is considered a soft inquiry and has no effect on your credit score.

How long does a late payment stay on my credit report?

Once a late payment is reported to one of the credit bureaus (Experian®, TransUnion®, or Equifax®), it can stay on your credit report for up to seven years. Even if you later bring your account current, the payment you missed will remain in your credit history as a record of what happened.

Most negative information, late payments included, will be removed from your credit reports after seven years. Additionally, when a series of late payments leads to your account being closed, charged off, or transferred to a collection agency, the entire account will be removed seven years after the first missed payment that led up that status. Chapter 7 bankruptcies stay on your credit report for up to 10 years, but the accounts included in the bankruptcy are removed after seven years.

What is a credit bureau?

A credit bureau, also known as a consumer-reporting agency, collects and stores individual credit information and sells it for a fee to creditors so they can make decisions on granting loans and other credit activities. Typical clients include banks, mortgage lenders, and credit card issuers. The three largest credit bureaus in the U.S. are Equifax®, Experian®, and TransUnion®.

Your score history

Why is there a gap in my FICO® Score history?

You may no longer be able to view your FICO® Score history if you stopped your FICO® Score service by opting out and then started it again.

If you don't see the answers to your questions:

  • Call us at 1-855-329-9605, Monday – Friday, from 7:00 am – 7:00 pm, Central Time