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Guide to Credit Score and Credit Reports

Ideas to help you get a better sense of your financial picture.

Find out how often a credit score updates – is it a day, or does it take a month to see changes in your credit report?

Average credit scores tend to change based on age, state, and income. But none of these are actually used to calculate your score. Good credit habits matter most.

Earning a top credit score takes time. Learn the different factors that affect your score and four strategies that may help to improve it.

What people are reading

What is a Credit Score and How is it Defined?

 

Understanding how ‘credit score’ is defined, how credit scores work, and how they’re calculated can help you establish a positive financial future.


What Affects Your Credit Score?

 

There are many factors that can influence your credit score. Find out how late payments, debt and credit history can impact your score.


What is a Credit Report and Why is it Important?

 

Understanding what a credit report is could be confusing. Learn what information a credit report contains and how to get your credit report for free.


Who’s Got Your Credit Data? The Big 3 Credit Reporting Agencies

 

Your credit reports are put together by three national agencies: Equifax, Experian, and TransUnion. Learn all about them here.


How to Check Your Credit Score for Free

 

Know about different source from your bank to credit card providers and others on how you can check your credit score for free.


How Can I Simulate My Credit Score?

 

Learn how credit score simulators can help you estimate the ways various financial decisions can boost or burden your credit score.


Learn about the credit score range by FICO or VantageScore and how they are classified as Excellent, Good or Poor credit score.

The material made available for you on this website, Credit Intel, is for informational purposes only and is not intended to provide legal, tax or financial advice. If you have questions, please consult your own professional legal, tax and financial advisors.