Your FICO® Score
FICO® Scores are a standard in the industry, used in 90% of lending decisions*.
Learn how your score might impact terms, such as interest rates, in credit offers from lenders.
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.
Because you are a Commerce Bank credit cardholder, we provide you with your FICO® Bankcard Score 9 version, which has a range from 250 to 900. A higher number indicates better creditworthiness and is viewed as a more dependable borrower — compared to a lower-numbered score. When considering your likelihood to be a responsible borrower, every lender utilizes their own unique credit-risk standards to evaluate your financial health and degree of reliable payment history.
Where can I view my FICO® Score?
You can view your FICO® Score for free on:
Where can I find more information?
Can I opt out?
If you do not wish to have your FICO® Score included on your monthly statement, you can request to opt-out from the FICO® Score disclosure program at any time by contacting Commerce Bank at 1 (877) 278-1746 or by mail:
Commerce Bank Bankcard Center
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.
FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
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