Learn how to improve and maintain your credit score
A credit score is a three-digit number (300-850) that represents your creditworthiness. Lenders use it to determine if you qualify for loans, credit cards, and what interest rates you'll pay.
Excellent: 800-850 | Very Good: 740-799 | Good: 670-739 | Fair: 580-669 | Poor: 300-579
The three major credit bureaus - Equifax, Experian, and TransUnion - collect your credit data and calculate your scores using models like FICO and VantageScore.
Your track record of paying bills on time. Even one late payment can drop your score significantly.
Keep it below 30% - ideally below 10%. If you have a $10,000 limit, keep balances under $3,000.
Older accounts help your score. Avoid closing old credit cards.
Having different types of credit shows you can manage various accounts responsibly.
Each application creates a 'hard inquiry' that can temporarily lower your score.
Set up automatic payments or reminders. Payment history is the biggest factor.
Lower utilization = higher scores. Pay down high balances first.
Keep old credit cards open to maintain your credit history length.
Check your credit reports regularly. Errors are more common than you think.
Ask a family member with good credit to add you to their card.
You can dispute inaccurate information. Bureaus must investigate within 30 days.
Debt collectors cannot harass you or use unfair practices.
You can dispute billing errors. Creditors must respond within 30 days.
Our credit repair experts can help dispute errors and improve your score.
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