ENROLL NOW

[email protected]

What is a credit score?

A credit score is a prediction of your credit behavior, such as how likely you are to pay a loan back on time, based on information from your credit reports.

Factors that are typically taken into account by credit scoring models include:

  • Your bill-paying history
  • Your current unpaid debt
  • The number and type of loan accounts you have
  • How long you have had your loan accounts open
  • How much of your available credit you’re using
  • New applications for credit
  • Whether you have had a debt sent to collection, a foreclosure, or a bankruptcy, and how long ago

Every score is based on information gathered by the major credit bureaus: Experian, Equifax, and TransUnion. These credit reporting agencies gather data from credit card companies, financial institutions, and lenders to create a report.

Checking your credit score with us never hurts it.
Start improving your score today

How it works

See how you can make your business goals a reality and overcome your toughest challenges with a solution trusted by leading organizations worldwide.

  • Achieve consistency and compliance

    We help lenders make consistent, unbiased risk decisions, and support compliance with national, local, and global regulatory requirements. PCIZ Solutions works to ensure the scores are understood and accepted by regulators worldwide.

  • The score widely accepted by industry leaders

    The FICO® Score is used by rating agencies including Standard & Poor's and Fitch IBCA in the securitization of industry loan pools into bond securities.

  • Support compliance and customer relationships

    A FICO® Score comes with reason codes that indicate why the score was not higher. These support regulatory compliance and communication with consumers so they can improve their credit standing over time.

START HERE

Choose Your Plan

Minimal

1 bureau coverage
$7.50 / Month
  • FICO Score Simulator
  • Updates available every 3 months
  • Scores for mortgages, auto loans & more
  • Credit reports
  • Score and credit monitoring
  •  
Enroll Now

Normal

2 bureau coverage
$15.00 / Month
  • FICO Score Simulator
  • Updates available every 3 months
  • Scores for mortgages, auto loans & more
  • Credit reports
  • Score and credit monitoring
  • Identity monitoring
Enroll Now

Premium

3 bureau coverage
$22.50 / Month
  • FICO Score Simulator
  • Updates available every 3 months
  • Scores for mortgages, auto loans & more
  • Credit reports
  • Score and credit monitoring
  • Identity monitoring
Enroll Now
FAQ

Frequently Asked Questions

What are FICO® scores?
A FICO® Score is a 3-digit number that summarizes your credit risk based on your credit file at one of the three major consumer bureaus at a particular point in time. FICO® Scores are used in 90% of lending decisions. FICO® Scores help lenders evaluate credit risk and can influence the credit that's available and the terms, such as interest rate, that lenders offer.
Does my FICO® Score change every month?
Each time we provide your FICO® Score, it's based on the information in your TransUnion® credit report at that point in time. As the information in your credit report changes, your FICO® Score may also change and we provide it monthly so you can view it over time in the FICO® Score History Chart.
Can I view my FICO® Score more than once a month?
Yes, though your FICO® Score is only updated monthly.
How do I improve the health of my credit?
Your FICO® Score considers both positive and negative information in your credit report. Good credit habits like always paying bills on time, keeping balances low, and only opening new credit cards when you need them can all have a positive effect on your financial health.
Hit enter to search or ESC to close