Credit Score and Credit Monitoring

    Your credit score is a number that indicates how likely you are to repay your debts, and it’s based on your past history of credit payments (or lack thereof). Lenders and other companies then use your credit score to determine whether or not to provide you a service and how much to charge for it, which is why it’s important to stay on top of your credit score and the factors that determine it.

    Explore Credit Scores & Credit Monitoring

    Text reads: "Reasons why a lender might remove late payments from your credit report: you've recently experienced a hardship; you can show that the late payment was not your fault; you can offer them something in return; you usually pay your bills on time."
    Late Payments Drag Down Your Credit Scores, So Clean Up Your Credit
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    Ways to Protect Your Credit Score
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    Liens: What They Are and How They Work
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    The Pieces of Your FICO Credit Score
    Image shows two credit meters, a small document with a scatter plot on it, an administrative building, and two credit cards. Text reads: "What is rapid rescoring? Normal credit update, rapid rescoring: rapid rescoring is a service that lenders use to make quick updates to your credit reports. Instead of waiting for information in your credit reports to be updated by regularly scheduled batch reports, you'll manually updated that information with the help of your lender. If you pay off a credit card that information can be pushed to a credit bureau a few days after your payment is received, and you can then request an updated credit score from that credit bureau."
    Rapid Rescoring May Give Your Credit Score a Quick Boost
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    Is No Credit Better Than Bad Credit?
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    What Is Eviction?
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    Your Utility Bills Play an Increasingly Important Role in Your Credit
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    How to Get Your Free Yearly Credit Report
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    Six Steps to Take If Your Credit Card Has Been Hacked
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    How Much Does Your Income Matter for Your Credit Scores?
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    Here Are Some of the Ways a Loan Can Affect Your Credit Score
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    The 7 Best Credit Counseling Services of 2021
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    What do credit bureaus do, and what do they know about you?
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    The 5 Cs of Credit
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    7 Ways to Build a Strong Credit History
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    How Does My Credit Limit Affect My Score?
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    Credit Report Charge-Offs and How Long They’ll Sting
    A young woman checking her credit score with a laptop.
    Money Moves That Help (or Hurt) Your Credit Score
    Approved Credit Score
    Have You Checked Your Credit Report Lately?
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    Will Paying off Collections Raise My Credit Score?
    A woman talks on the phone while looking at her credit report
    How to Get Free Credit Reports, Scores, and Credit Monitoring
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    Visit CreditKarma.com for a Free Credit Check and Monitoring Services
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    What Is Consumer Credit?
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    What Is Tier-One Credit?
    A business owner checks his credit score.
    How Business Credit Cards Affect Your Personal Credit Score
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    Q&A: Understanding the Credit Repair Process
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    Best Credit Monitoring Services of 2021
    Credit Report
    The 6 Best Free Credit Reports of 2021
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    What Is a Good Credit Score?
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    How Car Repossession Impacts Your Credit
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    9 Attractive Benefits of a Good Credit Score
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    What Is a Credit Score Scale Range?
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    Here Are 3 Convenient Ways to Order Your Free Annual Credit Report
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    How to Freeze Your Credit Report at TransUnion for Free
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    What Is a Credit Score?
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    Is FreeCreditReport.com Legit or a Scam?
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    The Big Reason You Should Keep Credit Card Balances Low
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    How To Freeze Your Credit Report at Equifax for Free
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    What Is a Tradeline on a Credit Report?
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    What Is a Hard Credit Inquiry?
    All About FICO 8 Credit Scoring: Adopted by Equifax, Experian, and TransUnion Scores range from 300 to 850 Allocation of your score is based on the following: 35% payment history 30% credit utilization 15% credit age 10% recent applications 10% mix of credit
    What Is the FICO 8 Credit Score?
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    Understanding Your Credit Report and the FCRA
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    How Long Does It Take to Unfreeze Your Credit Reports?
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    What Is a Credit Check?
    SmartCredit Mobile App
    Review of the SmartCredit Credit Report
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    How Safe Is AnnualCreditReport.com?
    A credit history report
    How to Manage Your Experian Credit Report
    Image shows a man sitting at a desk, his hair ruffled and seemingly very stressed. There are pieces of paper all over the desk that say "delinquent" and "account closed". Text reads: "Tips for removing a charge-off from your credit report. A charge-off is one of the worst items you can have on your credit report. Talk to the creditor, get the agreement in writing. If negotiation fails, decide if you want to pay the account or not. Keep in mind that some lenders will not grant new credit or loans until all past due accounts are taken care of"
    Remove a Charge-Off From Your Credit Report and Boost Your Score
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    10 Things You Can Do Today to Improve Your Credit Score
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    What Is the Average Credit Score in Your State?
    Couple handles paperwork in front of a laptop while sitting at their kitchen table
    What Is Bad Credit?
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    How To Freeze Your Credit Report at Experian for Free