With this feature you get all of this for free
Your FICO® Score
FICO® Scores are a standard in the industry, used in 90% of lending decisions.
Your Score Factors
View the top factors that affect your score, and learn about opportunities to better manage your financial health.
Learn how your score might impact terms, such as interest rates, in credit offers from lenders.
Learn more about your FICO® Score
|What is a FICO® Score?||The FICO® Score - used in 90% of lending decisions - summarizes information in your credit report into a score that lenders can use to assess your credit risk.|
|How is my FICO® Score calculated?||Your FICO® Score takes into consideration five main categories.|
|What is a good FICO® Score?||The classic FICO® Scores which are in use today by the vast majority of lenders fall within the 300-850 range. A higher number indicates a more dependable borrower. Each lender utilizes its own credit risk standards to evaluate your financial health.|
|Where can I view my FICO® Score?||
You may view your FICO® Score for free on your monthly credit card statement.
You may also view your FICO® Score online by accessing your e-statements through Online Banking.
|Where can I find more information?||
Frequently Asked Questions About FICO® Scores
Understanding FICO® Scores
|Can I opt out?||If you do not wish to have your FICO® Score printed on your monthly statement, you may request to opt-out from the FICO® Score disclosure program at any time by contacting Commerce Bank at 1 (877) 278-1746 or by writing us at Commerce Bank Bankcard Center; ATTN: FICO Score Opt-Out KCBC-11; PO BOX 411036, Kansas City, MO 64179-9640.|
- FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
- Commerce Bank and Fair Isaac are not credit repair organizations as defined under federal and state law, including the Credit Repair Organizations Act. Commerce Bank and Fair Isaac do not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating.