Check Your Free Credit Score, Then Understand How You Got There.

Checking your score will not hurt your credit

How Is Your Credit Score Calculated?


If credit score calculations seem mysterious to you, you are not alone. The exact way to calculate credit score is a closely-guarded secret, but Fair Isaac, creator of the FICO score, has released some of the facts that are used to do the math. FICO evaluates the information on your credit report and assigns a credit score between 300 and 850 based on the following five criteria.

35% Payment History: Your history of paying your bills on time.

This includes: Number of collection accounts Late payments Number of accounts in good standing.

65% of your score is based on your credit history over the previous 2 years.

30% Amount owed: on your revolving and installment loans, including your credit utilization ratios on your credit cards.

15% Length of Credit History: The longer you have had credit the more established you appear. Keeping your accounts open as long as possible keeps your average age of accounts high, which will have a positive effect on your score.

10% Types of Credit Accounts: Having a good mix of different types of credit (i.e. Revolving, Installment and mortgage loans)

10% New Credit: New accounts and Hard inquiries

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  • Check your credit score, the same one lenders see
  • See your complete credit report
  • Make sure current and closed accounts are accurately reported
  • Check for errors and take steps to dispute them
  • View years of your borrowing and repayment history

  Checking your score does not hurt your credit

The Score That Matters

See the same score the lender see. You’ll see the same score that lenders will see when you apply for a loan or line of credit. 

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Complete Credit Report

You’ll see your full credit report from TransUnion detailing your open accounts, borrowing and repayment history, closed accounts, and more for $1.

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Check For Errors

Hacks happen. You should always get your complete credit report at least once per year to look for any unauthorized accounts under your name.

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Up To 7 Years History

Check to see your current, closed, or paid in full accounts are correctly records going back years.

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Check It Every Year

Check your annual credit score at least once per year. Knowing your score is key to maintaining your credit health.

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