Learn how to build and maintain a healthy credit score
Get your free credit score from all bureaus
Tips and strategies to boost your score
Find loans matching your credit profile
Your track record of paying bills on time
How much of your available credit you're using
How long you've had credit accounts
Variety of credit types you have
Recent credit applications and new accounts
Payment history accounts for 35% of your credit score. Set up auto-pay or reminders to never miss a due date.
Try to use less than 30% of your available credit limit. Lower utilization shows responsible credit management.
Length of credit history matters. Keep old accounts open even if you don't use them frequently.
Each loan or credit card application creates a hard inquiry. Too many inquiries in a short period can hurt your score.
Having a mix of credit types (credit cards, loans, etc.) can positively impact your score.
Review your credit report for errors. Dispute any inaccuracies immediately to maintain a healthy score.
Paying only the minimum due increases interest and can signal financial stress. Pay the full amount when possible.
Being added to someone's credit card with good history can help build your credit score.
Best rates & instant approvals
Good rates & easy approvals
Average rates, some restrictions
Limited options, higher rates
Need to build credit history
Credit bureaus typically update your score every 30-45 days based on information reported by lenders.
No! Checking your own score is a "soft inquiry" and does not affect your credit score.
With consistent good habits, you can see improvements in 3-6 months. Major improvements may take 12-18 months.
A score of 750 or above is considered excellent. Scores between 700-749 are good, and 650-699 is fair.