Getting-your-credit-score -

: Your record of making timely payments on bills and debt is the most influential factor.

: The average age of all your accounts; older accounts demonstrate long-term stability. 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 : Your record of making timely payments on

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

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

: 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

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