credit score: (noun) A number assigned to a person that indicates to lenders their capacity to repay a loan. Fair Isaac Corporation introduced the standard scoring system in 1989 to help lenders assess borrower risk.

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BETA

sloane Swipe starter cards into your wallet to learn how to build credit from scratch.

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sloane Building Credit From Zero

To build your credit, step by step, it's true, A secured card or loan will see you through.

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sloane Payment history is the king

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sloane Keeping your oldest credit accounts open keeps your score healthy.

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sloane Keeping your outstanding balances low relative to your limit is crucial.

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Fun Fact

Checking your score: Checking your own credit score is a soft inquiry and will never lower your score by even a single point.

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Glossary

credit score (noun)
A number assigned to a person that indicates to lenders their capacity to repay a loan. Fair Isaac Corporation introduced the standard scoring system in 1989 to help lenders assess borrower risk.

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Gossip

Which credit score factor is hardest to manage?

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Quiz

How does closing your oldest credit card account affect your credit score?

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sloane The length of your credit history

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Quiz

How long must a credit card payment be overdue before it is reported to credit bureaus?

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sloane The rule of credit utilization

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Quiz

What percentage of a FICO credit score is determined by credit utilization?

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sloane The impact of hard inquiries

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Quiz

Which type of credit check occurs when you check your own credit score?

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Quiz

What is the recommended maximum credit utilization ratio to maintain a good score?

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Quiz

What is credit utilization?

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Quiz

Why do hard inquiries temporarily lower your credit score?

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Quiz

What percentage of your FICO credit score is determined by your payment history?

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