What's in Your Score
Knowing what information a  Credit Report, Credit Score & FICO Score consider is the first step in understanding how to improve your credit health and build a better score.
What's Not in Your Score
Your credit file contains information that does not reflect on your creditworthiness - such as race or income - which is ignored by the FICO score.
How Scoring Helps You
FICO scores provide a fast, objective measurement of your credit risk, which has a number of benefits for you.
Improving Your Score
By understanding what lenders view as good credit management, you can build a strong credit history, improve your score and qualify for better loan terms. Credit repair services can be problematic, often showing on your credit report that you had been through credit counseling programs. Our service does not negatively impact your credit score.
Facts & Fallacies
Learn the facts behind the common misconceptions about credit scoring and credit repair services.
Credit Reports
Your credit report shows the information you have on file at one or all of the three major credit reporting agencies - Equifax, Experian and TransUnion. Each of these reporting agencies (also known as credit bureaus) maintain their information separately, so the data you have on file may differ between them.
What's In Your Report
Your Credit Report contains a variety of personal data. Some of this information, but not all, is used when making lending decisions. Understanding your credit report is key to fixing your credit.
How Mistakes are Made
Mistakes happen – and they can affect your ability to obtain credit. By learning the most common mistakes, you'll know what to look for when you review your credit report.
Checking Your Credit Report
You should review your credit report from each credit reporting agency at least once a year and especially before making a large purchase, such as a house or car.
Average Credit Statistics
Fair Isaac recently surveyed the panorama of credit activity across the US by analyzing a large sample of people who recently obtained new credit.
Credit Inquiries
Find out what credit inquiries are, how they may or may not affect your FICO® score, and much more.
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