Score Planner

See how different events might impact your Credit Score. The Score Planner is available to both members and non-members.

Types of questions you'll see:

  • icon-credit-card.pngWhat if I pay off that card?
  • icon-apply-car-loan.pngWhat if I apply for a loan?
  • icon-late-payment.pngWhat if I have a late payment?
Go see the Score Planner

Making good credit decisions

Taking good care of your credit starts with making wise credit decisions and developing healthy credit habits: pay your bills on time, don’t max out your credit cards, work with lenders to avoid delinquencies and collections, and  don’t apply for multiple loans and credit cards at the same time. 

The Basics

Good Credit Starts With You!

Having good credit can make it easier to get what matters most to you in life—like having a home, getting a good job, and being able to borrow money when you need it. Learn how to take better care of your credit, so it can take better care of you! Go to The Basics

Manage Debt

Is debt overload hurting your credit?

For most of us, debt is an everyday part of life. Too much debt can hurt your Credit Score, but not using any credit can be equally damaging. Learning how to manage your debt is the first step towards good credit. Go to Manage Debt

Retirement

Are you prepared for retirement?

Retirement is one of the most important life-events you can face. No matter what your age, it’s never too soon to start investing in your future. Even if you feel as though you’re too late, you can still work towards securing a golden retirement. Go to Retirement

College

How will you pay for college?

As college tuition costs skyrocket, you might be wondering how to pay for school. The most common solution for cash-strapped students is to apply for student loans—a reasonable plan, provided you have good credit. Go to College

Family

Is your credit ready for family life?

Credit affects so many aspects of our lives—from getting married and having kids to buying a home and paying for college, the strength of your Credit Score and Report helps shape your life. That’s why taking good care of your credit is so important. Go to Family

ID Protection

How safe is your identity?

One of the fastest growing crimes, an estimated 12.6 million U.S. adults were victims of identity fraud in 2012. It can ruin your reputation, destroy your credit, and cost you thousands of dollars and many hours to resolve. Are you safe? Go to ID Protection

Home

Do you qualify for a better deal?

Everyone wants to compare and shop for the best interest rates on a Home Loan or Home Equity Loan. Knowing your Credit Score and having good credit can actually help you negotiate for better interest rates and smaller monthly payments. Go to Home

Auto

Is a new car just around the corner?

Before buying a car, check your Credit Score and Report to know if you might qualify for good financing terms. Whether leasing or purchasing, good credit tells lenders that you deserve better interest rates and smaller monthly payments. Go to Auto

Employment

Is your credit holding you back?

In today’s competitive job market, many employers will check your credit before hiring you. Bad credit is often seen as a lack of responsibility, honesty, or financial management skills. Don’t let a negative mark on your Credit Report hold you back. Go to Employment

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Question: Why is credit important?

Answer: Good credit can make it easier to get what you want—be it a new house, car, apartment, credit card, loan, utilities, or even a new cell phone service plan. Most lenders, landlords and cell phone service providers will check your credit before accepting your application. That's why it's so important to know how your credit looks, find out when it changes, and learn to take good care of it.

Taking good care of your credit can help you get the things you want. Get started now!

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