FICO Credit Score | HSBC


Get your FICO® Credit Score for free today

Your FICO® Credit Score is now available on your
HSBC Credit Card statement1.

Log on to view your FICO® Score.

Log on now

Don't have an HSBC Credit Card?

Learn More

What are FICO® Scores?

FICO® Scores are numbers that summarize your credit risk. Scores are based on a snapshot of your credit file at particular consumer reporting agencies at a particular point in time, and help lenders evaluate your credit risk. FICO® Scores influence the credit that’s available to you and the terms, such as interest rate, that lenders offer you. Back to top

How are FICO® Scores calculated?

FICO® Scores are calculated from many different pieces of credit data in your credit report. This data is grouped into five categories as outlined below. The percentages in the chart reflect how important each of the categories is in determining how FICO® Scores are calculated.

  1. 35% - Payment History
  2. 30% - Outstanding Debt
  3. 15% - Credit History Length
  4. 10% - Pursuit of New Credit
  5. 10% - Credit Mix

Back to top

How often will I receive my FICO® Score?

Program participants will receive their FICO® Credit Score updated on a monthly basis, when available. Back to top

Will receiving my FICO® Score impact my credit?

No. The FICO® Score we provide to you will not impact your credit. Back to top

Why is my FICO® Score not available?

The availability of your FICO® Score is meant for the primary account holder of consumer credit card accounts.

A few reasons your FICO® Score may not be available:

  • You are a new consumer credit card account holder – Your FICO® Score is refreshed monthly and may not have been available during our last score refresh process.
  • You are not the primary account holder on your joint account.
  • You are an authorized user.
  • Your credit card account is no longer active.
  • Your score was temporarily unavailable at the time of our monthly score refresh process.

Back to top

Where does the information used to calculate my FICO® Score come from?

A FICO® Score is based on the credit information in a credit file with a particular consumer reporting agency (CRA) at the time the score is calculated. The information in your credit files is supplied by lenders, collection agencies and court records. Not all lenders report to all three major CRAs. The FICO® Score that we provide to you is based on data from your Equifax® report as of the ‘pulled on date’ shown with your score. Back to top

What are Key Score Factors?

When a lender receives a FICO® Score, "key score factors" are also delivered, which explain the top factors from the information in the credit report that affected the score. The order in which FICO® Score factors are listed is important. The first indicates the area that most affected that particular FICO® Score and the second is the next significant area. Knowing these score factors can help you better understand your financial health over time. However, if you already have a high FICO® Score (usually in the mid-700s or higher), score factors are informative but, not as significant since they represent very marginal areas where your score was affected. Back to top

Why is this FICO® Score different than other scores I’ve seen?

There are different credit scores available to consumers and lenders. FICO® Scores are the credit scores used by most lenders, but different lenders (such as auto lenders and credit card lenders) may use different versions of FICO® Scores. In addition, your FICO® Score is based on credit file data from a particular consumer reporting agency, so differences in your credit files may create differences in your FICO® Scores. When reviewing a score, take note of the date, bureau credit file source, score type, and range for that particular score. Back to top

Why do FICO® Scores fluctuate/change?

There are many reasons why a score may change. FICO® Scores are calculated each time they are requested, taking into consideration the information that is in your credit file from a particular consumer reporting agency (CRA) at that time. So, as the information in your credit file at that CRA changes, FICO® Scores can also change. Review your key score factors, which explain what factors from your credit report most affected a score. Comparing key score factors from the two different time periods can help identify causes for a change in a FICO® Score. Keep in mind that certain events such as late payments or bankruptcy can lower FICO® Scores quickly. Back to top

How do I check my credit report?

Because your FICO® Score is based on the information in your credit report, it is important to make sure that the credit report information is accurate. You may get a free copy of your credit report from each of the three consumer reporting agencies (CRAs) annually. To request a copy of your credit report, please visit: Please note that your free credit report will not include your FICO® Score. Back to top

Why are you providing FICO® Scores?

Reviewing your FICO® Scores can help you learn how lenders view your credit risk and allow you to better understand your financial health. Back to top

1Must be enrolled in Personal Internet Banking and e-Statements to view the Primary Cardholder's FICO® Credit Score online. For customers not enrolled in e-Statements, your FICO® Credit Score will be available on your Credit Card statement mailed to you.

FICO® is a registered trademark of Fair Isaac Corporation in the United States and other countries.
HSBC Bank USA, N.A. and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. HSBC Bank USA, N.A. and Fair Isaac do not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating.
Equifax and the Equifax marks used herein are registered trademarks of Equifax, Inc.

Have a question?

Call our Customer Relationship Center

Monday - Sunday 7:00am - 12:00am ET
Automated banking available 24/7
Lost Stolen 24/7

TTY: 800.898.5999
Monday - Sunday 7:00am - 12:00am ET

†† Investments, Annuity and Insurance Products:


Estamos aquí para servirle. Si necesita ayuda en español o inglés, comuníquese con nosotros sin costo alguno al número 888.433.4722. Para llamadas por cobrar fuera de Estados Unidos, comuníquese al número 716.841.4288.


我們隨時為您提供協助。需要廣東話或英語服務,請撥 800.711.8001(北美洲境內免費長途電話)或 716.841.6989(美國以外地區可採用對方付費方式致電)。


我们随时为您提供帮助。需要普通话或英语服务,请拨 800.711.8001(北美洲境内免费长途电话)或 716.841.6989(美国以外地区可采用对方付费方式致电)。

Other Languages

We're here to help. For service in any other languages, call us today toll-free at 800.975.4722. If you are calling from outside the U.S. or Canada, please call us collect at 716.841.7212.

Welcome back!

Please select the product you applied for to resume your application.

Verify trial deposits
Go to Top