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If you want to keep track of how often you’re applying for credit, or want to make sure you haven’t been a victim of identity theft, we can help. Creditors like to see this mix because it shows them you’re capable of handling all types of accounts. You also receive a credit report card summary that breaks down the five key areas of your credit score, allowing you to easily identify where your credit stands. Believe it or not, there are loans and credit cards for all types of credit scores—from no credit to stellar credit!
See it now » In credit, age is more than just a number. One way of keeping a keen eye on your information is to monitor your credit reports for any potential fraud. The great thing is that these can also help you improve your credit, as long as you make your payments on time.
Experian uses the FICO Score 8, which ranges from 300 to 850.
Equifax calculates your credit score on a range from 280-850 while Trans Union, rather than using a FICO model, uses the Vantage Score 3.0 which also ranges from 300-850.
Do you make sure to pay everything early or on time? Your payment history makes up 35% of your credit score—and it’s the biggest portion.
If you want to see where you’re at, your free credit report summary will show you.
Your credit report card is a summary of all of this that shows you how you’re doing in the areas that make up your credit score.
Each credit bureau calculates your scores differently.
Your credit score and credit report are separate from one another.
Your credit utilization, or how much of your credit you use, makes up 30% of your credit score. Let us show you how by coming up with a personalized game plan. Every time you apply for new credit this shows up as an inquiry, which makes up 10% of your score, and can cause it to go down. Your credit score will help you know where you’re at and your report card summary will help you know what you need to improve.
See it now » Trying to get approved for that new car you’ve been eyeing? Applying for credit too frequently is a red flag to creditors. See it now » We always hear that it’s good to diversify. The mix of accounts you have—your student loans, auto loans, mortgages, and revolving credit cards make up 10% of your credit score. See it now » When you sign up for your account, you get your free Experian and Vantage credit scores, which are updated every 14 days. Since you have one or all of the above goals in mind, we can match you with offers from our partners.
In some cases, you can get additional free credit reports if you believe you’ve been a victim of fraud or identity theft, or if you’ve been rejected for credit.
Again, checking your credit report is a soft inquiry, meaning it will not damage your credit score.