{"id":78962,"date":"2022-04-12T12:30:00","date_gmt":"2022-04-12T19:30:00","guid":{"rendered":"https:\/\/mykukun.com\/blog\/?p=78962"},"modified":"2026-02-06T19:23:36","modified_gmt":"2026-02-06T19:23:36","slug":"fico-score","status":"publish","type":"post","link":"https:\/\/mykukun.com\/blog\/fico-score\/","title":{"rendered":"What is a FICO score, and how does it work?"},"content":{"rendered":"","protected":false},"excerpt":{"rendered":"","protected":false},"author":19496,"featured_media":64819,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[399],"tags":[390,465,587,466],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>FICO Score: How It Affects Your Loans, Terms, and Rates<\/title>\n<meta name=\"description\" content=\"Want to know how your credit scores tell potential loan lenders your creditworthiness? Understand how a FICO score works, in this article\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mykukun.com\/blog\/fico-score\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FICO Score: How It Affects Your Loans, Terms, and Rates\" \/>\n<meta property=\"og:description\" content=\"Want to know how your credit scores tell potential loan lenders your creditworthiness? Understand how a FICO score works, in this article\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mykukun.com\/blog\/fico-score\/\" \/>\n<meta property=\"og:site_name\" content=\"KUKUN\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/mykukun\" \/>\n<meta property=\"article:published_time\" content=\"2022-04-12T19:30:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-06T19:23:36+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/content.mykukun.com\/blog\/wp-content\/uploads\/2021\/04\/why-is-credit-score-important.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"601\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ramona Sinha\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@mykukun\" \/>\n<meta name=\"twitter:site\" content=\"@mykukun\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ramona Sinha\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"FICO Score: How It Affects Your Loans, Terms, and Rates","description":"Want to know how your credit scores tell potential loan lenders your creditworthiness? Understand how a FICO score works, in this article","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/mykukun.com\/blog\/fico-score\/","og_locale":"en_US","og_type":"article","og_title":"FICO Score: How It Affects Your Loans, Terms, and Rates","og_description":"Want to know how your credit scores tell potential loan lenders your creditworthiness? Understand how a FICO score works, in this article","og_url":"https:\/\/mykukun.com\/blog\/fico-score\/","og_site_name":"KUKUN","article_publisher":"https:\/\/www.facebook.com\/mykukun","article_published_time":"2022-04-12T19:30:00+00:00","article_modified_time":"2026-02-06T19:23:36+00:00","og_image":[{"width":1920,"height":601,"url":"https:\/\/content.mykukun.com\/blog\/wp-content\/uploads\/2021\/04\/why-is-credit-score-important.jpg","type":"image\/jpeg"}],"author":"Ramona Sinha","twitter_card":"summary_large_image","twitter_creator":"@mykukun","twitter_site":"@mykukun","twitter_misc":{"Written by":"Ramona Sinha","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/mykukun.com\/blog\/fico-score\/","url":"https:\/\/mykukun.com\/blog\/fico-score\/","name":"FICO Score: How It Affects Your Loans, Terms, and Rates","isPartOf":{"@id":"https:\/\/mykukun.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/mykukun.com\/blog\/fico-score\/#primaryimage"},"image":{"@id":"https:\/\/mykukun.com\/blog\/fico-score\/#primaryimage"},"thumbnailUrl":"https:\/\/content.mykukun.com\/blog\/wp-content\/uploads\/2021\/04\/why-is-credit-score-important.jpg","datePublished":"2022-04-12T19:30:00+00:00","dateModified":"2026-02-06T19:23:36+00:00","author":{"@id":"https:\/\/mykukun.com\/blog\/#\/schema\/person\/521c2972d7ff6fb6f23d9f3ba21da639"},"description":"Want to know how your credit scores tell potential loan lenders your creditworthiness? Understand how a FICO score works, in this article","breadcrumb":{"@id":"https:\/\/mykukun.com\/blog\/fico-score\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/mykukun.com\/blog\/fico-score\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/mykukun.com\/blog\/fico-score\/#primaryimage","url":"https:\/\/content.mykukun.com\/blog\/wp-content\/uploads\/2021\/04\/why-is-credit-score-important.jpg","contentUrl":"https:\/\/content.mykukun.com\/blog\/wp-content\/uploads\/2021\/04\/why-is-credit-score-important.jpg","width":1920,"height":601,"caption":"credit score is important"},{"@type":"BreadcrumbList","@id":"https:\/\/mykukun.com\/blog\/fico-score\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/mykukun.com\/blog\/"},{"@type":"ListItem","position":2,"name":"What is a FICO score, and how does it work?"}]},{"@type":"WebSite","@id":"https:\/\/mykukun.com\/blog\/#website","url":"https:\/\/mykukun.com\/blog\/","name":"KUKUN","description":"Remodeling made easy","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/mykukun.com\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/mykukun.com\/blog\/#\/schema\/person\/521c2972d7ff6fb6f23d9f3ba21da639","name":"Ramona Sinha","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/mykukun.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/content.mykukun.com\/blog\/wp-content\/uploads\/2019\/02\/IMG_20190202_213439-100x99.jpg","contentUrl":"https:\/\/content.mykukun.com\/blog\/wp-content\/uploads\/2019\/02\/IMG_20190202_213439-100x99.jpg","caption":"Ramona Sinha"},"description":"Ramona is the Senior Content Writer for Kukun. This experienced blogger uses simple and succinct words to decipher the complex phenomenon called life. She has written articles covering a broad range of topics, such as real estate, lending and mortgage, finance, business, taxation, home designs, home improvement projects, decor concepts, and more. An avid traveler, she\u2019s a digital nomad at heart and an animal lover from the depth of her soul.","url":"https:\/\/mykukun.com\/blog\/author\/ramona-sinha\/"}]}},"featured_img_src":"https:\/\/content.mykukun.com\/blog\/wp-content\/uploads\/2021\/04\/why-is-credit-score-important.jpg","featured_img_src_thumbnail":"https:\/\/content.mykukun.com\/blog\/wp-content\/uploads\/2021\/04\/why-is-credit-score-important-150x150.jpg","featured_img_src_medium":"https:\/\/content.mykukun.com\/blog\/wp-content\/uploads\/2021\/04\/why-is-credit-score-important-380x119.jpg","featured_img_src_medium_large":"https:\/\/content.mykukun.com\/blog\/wp-content\/uploads\/2021\/04\/why-is-credit-score-important-768x240.jpg","featured_img_src_wp_review_large":"https:\/\/content.mykukun.com\/blog\/wp-content\/uploads\/2021\/04\/why-is-credit-score-important-320x240.jpg","featured_img_src_entry":"https:\/\/content.mykukun.com\/blog\/wp-content\/uploads\/2021\/04\/why-is-credit-score-important-1022x320.jpg","featured_img_src_all":{"thumbnail":"https:\/\/content.mykukun.com\/blog\/wp-content\/uploads\/2021\/04\/why-is-credit-score-important-150x150.jpg","medium":"https:\/\/content.mykukun.com\/blog\/wp-content\/uploads\/2021\/04\/why-is-credit-score-important-380x119.jpg","mediumLarge":"https:\/\/content.mykukun.com\/blog\/wp-content\/uploads\/2021\/04\/why-is-credit-score-important-768x240.jpg","reviewLarge":"https:\/\/content.mykukun.com\/blog\/wp-content\/uploads\/2021\/04\/why-is-credit-score-important-320x240.jpg","entry":"https:\/\/content.mykukun.com\/blog\/wp-content\/uploads\/2021\/04\/why-is-credit-score-important-1022x320.jpg","full":"https:\/\/content.mykukun.com\/blog\/wp-content\/uploads\/2021\/04\/why-is-credit-score-important.jpg"},"_links":{"self":[{"href":"https:\/\/mykukun.com\/blog\/wp-json\/wp\/v2\/posts\/78962"}],"collection":[{"href":"https:\/\/mykukun.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mykukun.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mykukun.com\/blog\/wp-json\/wp\/v2\/users\/19496"}],"replies":[{"embeddable":true,"href":"https:\/\/mykukun.com\/blog\/wp-json\/wp\/v2\/comments?post=78962"}],"version-history":[{"count":29,"href":"https:\/\/mykukun.com\/blog\/wp-json\/wp\/v2\/posts\/78962\/revisions"}],"predecessor-version":[{"id":111300,"href":"https:\/\/mykukun.com\/blog\/wp-json\/wp\/v2\/posts\/78962\/revisions\/111300"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mykukun.com\/blog\/wp-json\/wp\/v2\/media\/64819"}],"wp:attachment":[{"href":"https:\/\/mykukun.com\/blog\/wp-json\/wp\/v2\/media?parent=78962"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mykukun.com\/blog\/wp-json\/wp\/v2\/categories?post=78962"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mykukun.com\/blog\/wp-json\/wp\/v2\/tags?post=78962"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}