Credit Advice » Score Advice

Score Advice

A credit score is a three-digit number based on data pulled from your credit report, and it is one of several factors that lenders use to determine whether they should give you a loan or credit card. Your score can also affect what terms and interest rates you qualify to receive.

Latest Articles

How Can I Improve My Credit Score from Fair to Good?

I cosigned for my son to get a vehicle, and I was...

How Long After Getting My First Credit Account Will a Score Be Created?

I am an international student. It was very difficult for me to...

How Does Being an Authorized User Affect My Credit Score?

How does being an authorized user affect my credit? The account is...

What Is the Highest Credit Score Possible?

My credit score is excellent, but I want the highest score that...

How Do I Get a Good Credit Score?

I was checking my credit score this month and can see my...

Can Opting-Out of Pre-Approved Offers Help My Credit Score?

Do inquiries for preapproved offers damage your credit report? I am trying...

What is installment credit?

My friend has a poor credit score. She already has some credit...

How Often Does Your Credit Score Change?

Why doesn’t my credit score update or change? The last date on...

Should I Cancel My Credit Card? Will Doing So Hurt My Credit?

I just opened a new credit card and I’m trying to learn...

What credit score do I need to buy a house?

My FICO credit score is “stuck” at 680. I have not had...

The Difference Between VantageScore and FICO Scores

What is the difference between a “Plus” score and a “FICO” score? On...

Credit Scores are Not Included in Credit Reports

I got my credit report, but where is my credit score? How do...

What is Provided with Your Credit Score

In addition to learning your three-digit score, a credit score is typically provided with a description of what items from your credit report most affected the score, both positively and negatively.

Credit Report vs. Credit Score

Credit reports and credit scores are two separate items lenders use to learn more about your financial history and the likelihood you’ll pay your bills in the future. While related, credit scores are not part of a credit report. Credit scores are based on information from your credit report, but must be requested separately.

...
Apply Now 

Test

Advertiser Disclosure

Recommended FICO® Score1 Rating

Get your FICO Score for free

APR





    1Credit score calculated based on FICO® Score 8 Model. Your lender or insurer may use a different FICO® Score 8, or another type of credit score altogether. Learn More

    Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation, however the compensation does not impact how or where the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

    Offer pros and cons are determined by our editorial team, based on independent research. The banks, lenders, and credit card companies are not responsible for any content posted on this site and do not endorse or guarantee any reviews.

    For complete information, see the terms and conditions on the credit card issuer's website. Once you click apply for this card, you will be directed to the issuer's website where you may review the terms and conditions of the card before applying. We show a summary to help you choose a product, not the full legal terms – and before applying you should understand the full terms of the product as stated by the issuer itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

    Review Your Free Experian Credit Report Today

    Good credit begins with knowing where your credit is today. Get started with your free Experian Credit Report, updated every 30 days on sign in. No credit card required.

    Get Started for Free