Know your number,
own your next move
Check your score as often as you like — it never hurts it — and see exactly what's driving it up or down.
How it works
See your score
Get your score and full report in one place, updated regularly — for free.
Understand it
Plain-English reasons behind every change, so you know exactly what's helping or hurting.
Improve it
Personalized, unbiased steps — and a simulator to test the impact before you act.
The score ranges
Most scores run 300 to 850. Here's roughly how lenders read them.
What moves your score
Whether you pay on time — the single biggest factor. One missed payment can sting.
How much of your available credit you're using. Staying under ~30% helps.
How long your accounts have been open. Older, seasoned credit is stronger.
A healthy blend of cards and loans shows you can manage different types.
Recent applications and new accounts. A flurry of them can look risky.
Weights are approximate and vary by scoring model. See the full breakdown →
Never get surprised by your report
Get an alert the moment something important changes — a new account, a big balance shift, or a hard inquiry.
Turn on monitoring