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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.

FICO® Knowledge

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. Understanding your FICO Score
What is a good FICO® Score? The score version we provide is the FICO® Bankcard Score 8 which has a range of 250-900. 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.

Disclosures:

  1. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
  2. 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.
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