A FICO® Score is a metric that lenders look at to determine whether you're likely to pay them back. Your financial history—including how often you pay bills on time and how much debt you have—appears on your credit report, and that information makes up your credit score. You have many credit scores, including specialized versions of FICO® Scores tailored to specific industries. But the FICO® Score 8 is the most commonly used. It's a three-digit number from 300 to 850, and the average score is around 700.