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Understanding Credit.

The all-important credit score. Know exactly where you stand.

Credit scores range anywhere from 350-850. The higher the better.

Your number is determined by five factors combined to calculate your personal score. Even if your score is lower than desired, don't give up. With a little clarity and focus, a lot can be done to make things better..

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10%

Types of Credit

This looks at what types of credit you have.

10%

New Credit

New applications for credit might cause you to be risky and lower your score.

15%

Length of History

How long your accounts have been open. If you are going to close an account, DO NOT close the oldest.

30%

Debt Utilization

How active EACH of your accounts are will affect this portion of your score.

35%

Payment History

Making sure that you have your payments in full and on time.