Get Your Free Credit Reports
You are entitled to a free credit report from each of the three major credit bureaus once per year. Visit AnnualCreditReport.com to get your free reports from Equifax, Experian, and TransUnion.
Reviewing your credit reports regularly is essential for identifying errors, tracking your progress, and protecting yourself from identity theft.
Understanding Your Credit Score Ranges
800–850: Exceptional — You qualify for the best rates and terms available.
740–799: Very Good — You'll likely qualify for favorable loan terms.
670–739: Good — Most lenders consider this acceptable.
580–669: Fair — You may qualify but with higher interest rates.
300–579: Poor — You may have difficulty qualifying for credit products.
What Affects Your Score?
Payment History (35%) — On-time payments are the single biggest factor.
Credit Utilization (30%) — Keep balances below 30% of your credit limits.
Length of Credit History (15%) — Older accounts help your score.
Credit Mix (10%) — Having different types of credit helps.
New Credit (10%) — Too many new inquiries can hurt your score.
Need Help Improving Your Score?
If your credit score isn't where you want it to be, our expert team can help. Contact 755CreditScore for a free consultation and personalized credit improvement plan.