Improve your credit score by paying on time, keeping debt low, maintaining old accounts, limiting new applications, and diversifying your credit types.

Learn what a credit score is, how it's calculated, the different score ranges, and why it matters to get the best rates on loans, credit, and more.

Your credit score is one of the most important factors lenders consider when you apply for a mortgage. Not just to qualify for the loan itself, but for the conditions: Typically,

If you don’t have much or any credit history, you could be counted among the credit invisible or the unscorable. That doesn’t mean you have a credit score of zero. Rather, you have little or no information associated with your credit profile and, therefore, no score at all.

Having a perfect credit score sounds really cool, but it's not all it's cracked up to be. Find out what having an 850 score can get you.

Most generations increased their average FICO Score by a single point in 2024, although Generation X, currently carrying more debt than other generations, remained at its 2023 average score. (The Silent Generation, born prior to 1946, has been at a healthy average of 760 for four consecutive years.)

To build good credit, pay bills on time, keep utilization low, and monitor reports. A strong credit score leads to better loan terms and opportunities in renting and employment. Understanding credit factors is vital for financial goals and reliability as a borrower.

Learn what could be negatively impacting your credit score, from a high utilization rate to late payments and more.