Out of the country's 200 million adults with credit scores, FICO estimates that the new policy will affect about 12 million of them. Their scores will improve modestly, with a typical boost of less than 20 points. Another 700,000 consumers will enjoy a credit score improvement of at least 40 points, it said. FICO scores range from 300 to 850, with a higher score representing greater creditworthiness. The scary truth about store-branded credit cards 02:02