The exact FICO algorithm is proprietary. They do give some information about what it entails. I am in no way affiliated with freecreditreport.com, it's just a

The exact FICO algorithm is proprietary. They do give some information about what it entails. I am in no way affiliated with freecreditreport.com, it's just a site I find incredibly useful. It's now owned by Experian and it gives you your Experian FICO 8 credit score. They break down each part of your credit score and grade you on each. (A-F) There's other sites like credit karma that do similar but they use vantage score which is also known as FAKO score and isn't used by lenders but is a good indication of what your FICO score may be.