A number between 300 and 850 that predicts how likely you are to pay on time. 700+ is solid. Premium cards usually want 720+. A mortgage at a decent rate wants 750+. The score isn't static: three missed months can knock 80 points off it.
Your Buró de Crédito score in Mexico runs on a 400-850 scale — higher is better. Rough banding: above 700 opens most bank-tier products (BBVA Personal, Banorte, Santander); 550-700 lands you at SOFIPO or bank-lite offers; below 550 pushes you to SOFOM E.N.R. territory with triple-digit CAT.
Weight breakdown of the score: on-time payments count for about 35%, credit utilization (how much of your limit you use) 30%, history age 15%, product mix 10%, and recent inquiries 10%. One 30-day late payment drops the score 40-80 points and stays visible for 6 years. Positive activity offsets it — 12 months of clean payments across two active products typically recovers 60-70% of the drop.
Check yours free once per year at burodecredito.com.mx via the Reporte de Crédito Especial. Paid subscriptions (Mi Score) give monthly updates and simulator tools.