Good Credit Starts With You!

It’s never too late to learn your credit basics.

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!

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Get schooled on your Credit Report and Score

To many of us, credit remains a mystery. What exactly is a Credit Report, and why does it matter? How do Credit Scores play into it, and how are they calculated? If you want to learn more about your credit and how to take better care of it, this is a great place to start!

Yes! Credit Matters: What’s in a Number?
A Credit Score is a number based on the information in your Credit Report. It’s similar to a grade you receive in school, but instead of right and wrong answers your Credit Score is based on positive and negative credit history. Paying your bills on time and using your credit responsibly builds a positive history, while paying bills late and over-extending your credit build a negative history.
Yes! Credit matters: The importance of your Credit Report
So what’s a Credit Report and why’s it so important? A Credit Report is a record of your payment history and other credit-related details that lenders use to determine if they should give you credit. The information on your Report is compiled by the credit bureaus, which regularly receive data on whether you make payments on time and how much you owe. Since creditors are constantly reporting new information to the bureaus, your Credit Report is always changing.

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:

What if I pay off that card?
What if I apply for a loan?
What if I have a late payment?

Go see the Score Planner

Question: How are Credit Scores calculated?

Answer: While it’s impossible to determine exactly how a Credit Score is calculated, you can still get a good idea based on the primary factors used. Your Credit Score takes the following into account: payment history and bankruptcy (31%); credit card debt (30%); length of credit history (15%); type and number of credit cards (14%); credit applications and inquiries (10%).

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

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Making Good Credit Decisions

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