Based on Equifax DataEquifax 4/7/2026 705 Good 300 850 +0 What to expect from lenders A FICO ® Score of 705 is near or slightly above average. Keep in mind, however, that many lenders consider scores in this range as good. Based on your score alone, you might expect the following: A wide array of loans and credit products will likely be available to you. Most lenders will consider offering you very competitive rates and terms on loans. Some lenders may require additional information, such as income or time at job, to help them more accurately set the terms of your loan. What's hurting your score High credit usage The FICO ® Score evaluates balances in relation to available credit on revolving accounts . The extent of a person's credit usage is one of the most important factors considered by a FICO ® Score. People who keep their ratio of balances to credit limits lower are generally considered less risky to lenders than those with higher ratios. Note, consolidating or moving debt from one account to another will usually not change the total amount owed. Ratio of your revolving balances to your credit limits 78% For FICO High Achievers , the average ratio of the revolving account balances to credit limits is 6%. Loan balances FICO ® Scores weigh the amounts paid down and balances of mortgage and non-mortgage installment loans (such as auto or student loans) against the original loan amounts. In general, when an installment loan is first obtained the balance is high. As the loan is paid down, the balance decreases. As installment loan balances decrease, they have less impact on a FICO ® Score. Having a low installment loan balance to loan amount ratio is considered slightly less risky than having a 0% installment loan ratio. 4/7/26, 3:12 PM Score Analysis for FICO Score 8 - Equifax | myFICO https://secure.myfico.com/member#/scores/analysis?b=efx 1/3 Consolidating or moving debt from one account to another will usually not help a FICO ® Score since the same total amount is owed and the score may go down due to opening a new account. Percentage of principal you have paid down on your open non-mortgage installment loans 0% FICO High Achievers have paid down an average of 42% of the principal on their non-mortgage installment loans. High revolving balances FICO ® Scores evaluate how much is owed on revolving and/or open-ended accounts, such as credit cards. Generally, the more owed on these accounts, the greater the risk posed to lenders. Note, consolidating or moving debt from one account to another will usually not change the total amount owed. Total owed on revolving and/or open-ended accounts $36,489 Most FICO High Achievers owe less than $2,700 on revolving and/or open-ended accounts such as credit cards, charge cards and department store cards. What's helping your score No missed payments The FICO ® Score evaluates if there are any missed payments being reported. Staying current and paying bills on time demonstrate lower credit risk. Number of your accounts with a missed payment or derogatory indicator 0 accounts About 99% of FICO High Achievers have no missed payments at all. But of those who do, the missed payment happened more than 4 years ago, on average. Long credit history FICO ® Scores measure the age of the oldest account and the average age of all accounts being reported. Generally speaking, having a relatively long credit history and not opening many new accounts is reflective of lower risk. Your oldest account was opened 37 Years, 6 Months ago FICO High Achievers opened their oldest account 26 years ago, on average. Average age of your accounts 11 Years Most FICO High Achievers have an average age of accounts of 10 years or more. Not seeking credit 4/7/26, 3:12 PM Score Analysis for FICO Score 8 - Equifax | myFICO https://secure.myfico.com/member#/scores/analysis?b=efx 2/3 Source: Credit report Each time a person applies for credit, a credit inquiry is usually added to your credit report. Your credit report shows relatively few or no recent credit inquiries, which indicates that you are not actively looking for credit. People who are actively seeking credit pose more of a risk to lenders than those who are not. Your applications for credit in the past year 0 inquiries About 78% of FICO High Achievers did not apply for credit in the past year. 4/7/26, 3:12 PM Score Analysis for FICO Score 8 - Equifax | myFICO https://secure.myfico.com/member#/scores/analysis?b=efx 3/3