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FICO Fact Sheet Breakdown

Calculating Your FICO Score

30% of the FICO Credit Score is based on Amounts Owed. This is calculated from:

  • Total Credit Limit
  • Total Amount Owed
  • A good rule of thumb, keep balances below 25% of available credit

35% of the FICO Credit Score is based on Payment History. This is calculated from your ability to pay everything on time!

10% of the FICO Credit Score is based on New Credit. This is calculated from the number of new accounts/inquiries in a 12 month period.

15% of the FICO Credit Score is based on Length of Credit History. This is calculated from:

  • Age of Oldest Account
  • Age of Newest Account
  • Average Age of all Accounts

10% of the FICO Credit Score is based on Credit Mix. This is calculated from a good mix of credit sources. An example of a good mix would be:

  • 3 Credit Cards
  • 1 Mortgage
  • 1 Car Loan
Chart showing the division of how a FICO Score is calculated.

FICO Fact Sheet Score Statistics
(Yes... You are just a number)

850-800 Exceptional - 799-740 Very Good - 739-670 Good
699-580 Fair - 579-300 Poor

  • 65% of consumers - 650 and above
  • 53% of consumers - 700 and above
  • 38% of consumers - 750 and above
  • National Median Score - 711
  • PA Median Score - 728-737
  • New Britain Mortgage Premium Pricing 740 and above
New Britain Mortgage, LLC.
335 West Butler Avenue, Suite 115
Chalfont, PA 18914
215.996.3737

NMLS #396614
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