Your Credit Score Is the Price Tag on Every Loan You Apply For
A stronger score can mean lower interest rates, smaller deposits, and better approval odds on cars, homes and credit cards. See the habits that move your score the most — and the tools that help you track them.
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Key Facts About Your Credit Score
Two Factors Do Most of the Work
Payment history and credit utilization together make up roughly 65% of a typical FICO® score. Getting those two habits right moves your score faster than anything else.
Utilization Is Measured Monthly
Balances are usually reported once a month, so paying down a card before the statement closes can lower the utilization that lenders see — even if you pay in full later.
Errors Are More Common Than You Think
A single incorrect collection or late mark can cost you real points. Reviewing your reports regularly is the fastest way to catch mistakes worth disputing.
Simple Tips That Actually Move the Number
Keep Balances Under 30%
Aim to keep each card below 30% of its limit, and under 10% for the best scoring impact. Spreading balances across cards can help if one card is maxed out.
Automate Every Minimum Payment
One 30-day late payment can stay on your report for years. Set autopay for at least the minimum on every account, then pay extra when you can.
Watch It Without Hurting It
Checking your own score is a soft inquiry and does not lower it. Monitoring your score also alerts you to new accounts opened in your name.
Ready to See Where Your Credit Score Stands Today?
Get a current look at your score and the factors holding it back, then start building toward better rates.
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