Understand your credit.
Take control of your future.
Check your credit score, understand your report, and get personalized tools to improve your financial health — all in one place.
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Free calculators to help you understand and improve your financial health.
Credit Score Calculator
Estimate your credit score range based on your financial habits.
Open CalculatorCredit Utilization Calculator
See how much of your available credit you're using right now.
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Expert-written guides to help you understand credit scores, loans, debt and personal finance.
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Credit Scores by State
Find credit score information, financial guides and resources for your state.
Choose your state to explore local credit score information.
Why Your Credit Score Matters
Your credit score affects much more than loan approvals. Understanding it can save you thousands of dollars over your lifetime.
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Better Loan Rates
Higher credit scores can qualify you for lower interest rates on personal loans and financing.
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Mortgage Approval
A strong credit profile improves your chances of getting approved for a home loan.
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Credit Card Rewards
Excellent credit unlocks better cards with cashback, travel rewards and lower fees.
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Lower Insurance Costs
In many states, insurers consider credit information when calculating premiums.
Credit Score FAQs
Answers to the most common questions about credit scores, FICO, credit reports and improving your financial health.
Generally, a FICO Score of 670 or higher is considered good by most lenders.
Most credit scores update every 30 to 45 days depending on when lenders report new information.
No. Checking your own credit score is considered a soft inquiry and does not affect your score.
Pay bills on time, reduce credit utilization, avoid unnecessary hard inquiries and keep old accounts open.
A credit score is a numerical rating, while a credit report contains your complete borrowing history.