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Your Credit Score... Explained

Understand what factors make up your score.

On-Time Payments

Your score improves when you have less negative marks or late payments.

100 %
Your Grade

Credit Age

Lenders and creditors like to see credit ages of at least 8 years.

20 years
Your Grade

Credit Utilization

Lenders like to see a credit usage
under 30%.

0 %
Your Grade

Credit Inquiries

Apply for accounts that require a hard credit inquiry within a month to minimize the credit score impact.

0 Inquiries
Your Grade

Avoid Credit Surprises

Be the first to know when there’s a change in your credit report.

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Improve Your Credit

Explore how your decisions can affect your credit.

Your Score Would be
+ 15 points
- 30 points
+ 5 points

What happens if I
pay off a credit card balancemiss a loan paymenttransfer my credit card balance to loan

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Credit Report

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to Credit Health

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