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What are the minimum requirements to produce a FICO® Score?

There’s really not much to it; in order for a FICO® Score to be calculated, a credit file must contain these minimum requirements:

  • At least one account that has been open for six months or more
  • At least one account that has been reported to the credit reporting agency within the past six months
  • No indication of deceased on the credit file (Please note: if you share an account with another person and the other account holder is reported deceased, it is important to check your credit file to make sure you are not impacted).

These minimum requirements vary slightly for FICO® Scores NG.

This content is provided by FICO. © 2017 Fair Isaac Corporation. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.