Guides ยท Finance
Credit Score Basics
Know what impacts your score
Credit scores weigh on-time payments, balances vs limits, account age, credit mix, and new inquiries; improving requires timely payments, low utilization, and patience.
- credit score
- utilization
- payments
- inquiries
- credit report
Key Factors
History and utilization drive most points; age, mix, inquiries matter less.
Check Reports
Review for errors via annual free reports; dispute inaccuracies.
Build
Pay on time, keep utilization under ~30%, avoid frequent new accounts.