A FICO ® Score is a credit score that is created by the Fair Isaac Corporation. The credit score is based only on items in your credit report. The FICO ® score does not consider: your race, marital status, age, your salary, occupation, where you live. Most lenders will use your FICO ® Score when they decide if they will give you a loan. If you want good credit, try to have your FICO ® score be above 650.