Score Planner™

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Answering these questions will provide you with an estimated Credit Score and allow you to use the Score Planner to:

  • Learn how changes in your credit information impact your score
  • Test out theories by seeing how your score might change
  • View possible scenarios to find out how they will impact your score

If you don't have a copy of your credit report readily available, you can obtain your credit report at no charge once per year at annualcreditreport.com.

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Tell us about the types of accounts on your credit report - Step 1 of 4

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installment loans

Real Estate Loans

Do you have any open real estate loans?

installment loans

Installment Loans

Do you have any installment loans(open or closed)? An installment loan is a loan with a fixed amount that you pay off over time (such as Student Loans, or Auto Loans).

cetail cards

Credit Cards

Do you have any credit cards (open or closed)? A credit card is a credit account that you can use anywhere (such as a Visa, or MasterCard).

cetail cards

Retail Cards

Do you have any retail cards (open or closed)? A retail card is a credit account that you can use in one place only (such as Gas Cards, or Department Store Cards).

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About PLUS Score

The PLUS Score, with scores ranging from 330 to 830, is a user-friendly credit score model developed by Experian to help you see and understand how lenders view your credit worthiness. It is not used by lenders, but it is indicative of your overall credit risk. Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk.

There are three different major credit reporting agencies, Experian, TransUnion, and Equifax that maintain a record of your credit history known as your credit file. Your Credit Score is based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your credit score can vary if the information they have on file for you is different. And since the information in your file can change over time, your Credit Score may be different from day-to-day.

Lenders and insurers use several different credit scoring models so don't be surprised if your lender gives you a score that's different from the PLUS Score you receive online. Just remember that your associated risk level is generally the same even if the number is not. If the lender's score is lower than your online score, it is possible that this difference can lead to higher interest rates and sometimes credit denial.