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What is a credit score?
Your credit score is a three-digit numerical representation of your credit report that falls between 300 and 850. It is calculated by credit bureaus that include the “big three”: Equifax, Experian and TransUnion. Each credit-scoring bureau uses different criteria for measuring your credit score, weighing your history against a proprietary algorithm.
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- A personalized report of factors affecting your credit score
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- Unlimited daily updates of your score and report
Why is my credit score important?
Knowing your credit score can tell you where you fall in the credit range, from poor to excellent credit, and how your overall financial health is viewed by potential lenders.
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Discover Your Free Credit Score
Scores are frequently used, so it’s useful information to have, especially if you’re trying to get a home loan or a new credit card. It’s also a great way to monitor your credit health, and track your progress against financial goals. Plus, you’ll receive personalized offers for mortgages, auto loans, credit cards, and more..
2
Find answers to your credit questions
Want to understand how to get approved for a mortgage or auto loan? Or how you can qualify for a credit card and get a lower interest rate? Do you have good payment history already but want to know what else you can do to raise your score?
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Monitor your credit score
Even if you don’t keep an eye on your credit reports every other week, that’s OK because monitoring your score can help you make sure your identity isn’t being fraudulently used - a drastic change in your score can indicate that something may be wrong and help you keep track of how your sensitive information is being used.
How is credit score calculated?
Utilization ratio
Carrying a balance with a utilization of 30% or less. If your credit limit is $1,000, keep your balance below $300, which is 30% of your limit.
Personal information
Your age, how long you’ve been employed and the time you’ve been at your current address can each affect your score.
Age of your credit report
A credit report that’s been active a long time can improve your score.
Payment history
Whether you’ve paid past and current credit accounts on time is a major factor in your overall score.
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Credit Score FAQs
Your free credit score and report can have a significant impact on your life. With today’s technology, scores can be used day and night to make an instant assessment of your creditworthiness. Knowing and understanding your credit score gives you a financial edge that could put money in your pocket through lower interest rates and lower monthly payments.
Most credit scores – including the FICO score and VantageScore 3.0 – operate within the range of 300 to 850, and a good credit score is typically one that is 700 or above. Within that range, there are different categories, from bad to excellent.
Excellent Credit: 750+
Good Credit: 700-749
Fair Credit: 650-699
Poor Credit: 600-649
Bad Credit: below 600
But even these numbers and ranges aren’t set in stone. Again, that’s because lenders all have their own definition of what is considered a good credit score. One lender that is looking to approve more borrowers might approve applicants with credit scores of 680 or higher.
Another might be more selective and only approve those with scores of 750 or higher. Or both lenders might offer credit to anyone with a score of at least 650, but charge consumers with scores below 700 a higher interest rate!
You can check your credit score as often as you’d like. Checking your credit score every two weeks is a great idea so you can keep track of any changes and monitor activity. It might be wise to check it more often if you have reason to suspect there is fraudulent activity on your account.
Disclaimer
CreditNervana promises to keep our information as accurate and up-to-date as possible. However, you should always consult a financial advisor for specific questions about personal or business finances and investment opportunities, especially if you are looking in your area. Working with a trained professional who is familiar with your case is a safe and guaranteed way to make the best investment decision possible. Please review our terms and conditions before making any decision based on the information we provide. Financial institutions are constantly changing. Because of this, it’s a good idea to cross check the information you read here with any company you are considering working with.
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