Getting-your-credit-score

: For major purchases like a mortgage, you can purchase your official FICO score directly from myFICO.com to see exactly what creditors will view. Factors That Influence Your Score

: Your record of making timely payments on bills and debt is the most influential factor. getting-your-credit-score

: Frequent "hard inquiries" or opening multiple new accounts in a short period can temporarily lower your score. Typical Credit Score Ranges : For major purchases like a mortgage, you

: Also known as credit utilization; lenders prefer you use less than 30% of your total available credit. Typical Credit Score Ranges : Also known as

: Websites such as Credit Karma , Credit Sesame , or Experian offer educational scores and ongoing tracking.

: The official site for requesting your free credit report from the three major bureaus (Equifax, Experian, and TransUnion) every 12 months.