FICO Score is a credit bureau risk score generated from financial models by Fair Isaac Corporation. Your FICO Score is used to help lenders evaluate your level of risk, based on your credit history on current credit bureau reports. Your FICO Score also impacts which types of credit offer you receive and your corresponding interest rate. All things being equal, the higher your score, the lower your rate and the better your chances of being approved. Small business credit decisions are heavily influenced by the credit scores of the business owners.