Your credit score tells your financial story.

Enter your info to pull your credit—safe, won’t affect your score, and it’s FREE.

First name * Last name * Phone number * Email * State / Province / Region * Postal / ZIP code *

It’s best to have many different types of credit accounts. Think things like a car loan, credit cards, mortgage etc.

The fewer hard credit inquiries you have, the better. Soft inquiries will not affect your credit score.

The longer your average age of credit, the better it is. You should not close old accounts for this reason.

This is how much debt you have based on your credit limit. You generally don’t want to go over 30%.

Paying your bills on time is the biggest in your score. Even one mistake could cost over 100 points.

Inaccuracies in payment history

Lingering debts found in old joint accounts

Accounts listed twice

Bad debts reported more than 7 years

Unrecognized accounts

Closed accounts listed as open

Wrong identifying information used