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score8☉ Credit score calculated based on FICO ® Score 8 model. Your lender or insurer may use a different FICO ® Score than FICO ® Score 8, or another type of credit scoreFICO Score 8 is a credit-scoring model lenders can use to make lending decisions. FICO calls FICO 8 a base score because it’s desned to predict whether a person will repay