Welcome to the Help Center

What is my FICO® Score and how is it used?

Your FICO^® Score is one of many factors used by lenders to assess your creditworthiness. Usually, a higher score makes it easier to qualify for a loan, and it may result in a better interest rate.

Educational materials prepared by FICO are available to help explain FICO^® Scores. To read these materials, go to ficoscore.com/education.

If you're a Basic Card Member with a Personal Card, you can view your FICO^® Score for free through your online account.

We believe everyone should know their credit score and have the tools to understand it better. That’s why we’re giving you VantageScore^® 3.0 by TransUnion^®, and the key factors that affect your score for free, even if you are not an American Express^® Card Member.