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Personal & Accounts History

Credit Behavior & History

Review Your Information

Personal & Accounts History

Annual Income:
Employment Status:
Number of Open Accounts:
Missed Payments (12 months):
Recent Loan Applications:
Total Outstanding Debt:
Bankruptcy History:

Credit Behavior & History

Credit History Length:
Payment History:
Credit Utilization:
Credit Mix:
Recent Credit Inquiries:
Debt-to-Income Ratio:

Your Credit Score Estimate

680
GOOD
300-579
580-669
670-739
740-799
800-850

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Understanding Your Credit Score

A credit score is a number between 300 and 850 that represents your creditworthiness. Lenders use your credit score to evaluate the probability that you will repay your loans.

300-579: Poor

This score is well below the average score of U.S. consumers and demonstrates to lenders that the borrower may be a risk.

580-669: Fair

This score is below the average score of U.S. consumers, though many lenders will approve loans with this score.

670-739: Good

This score is near or slightly above the average of U.S. consumers and most lenders consider this a good score.

740-799: Very Good

This score is above the average of U.S. consumers and demonstrates to lenders that the borrower is very dependable.

800-850: Excellent

This score is well above the average of U.S. consumers and clearly demonstrates to lenders that the borrower is an exceptionally low risk.

Tips to Improve Your Score

  • Pay your bills on time
  • Keep credit card balances low
  • Only open new credit accounts when necessary
  • Check your credit report regularly
  • Maintain a healthy mix of credit types
  • Avoid excessive credit inquiries