How to Manage Your Credit Score

The key to your financial security is managing and monitoring your credit. A higher credit score tells your creditors that you might qualify for lower interest rates and rebates. Your credit scores, calculated by the 3 major credit bureaus (Equifax®, Experian® and TransUnion®) give lenders and employers a measure of your creditworthiness, i.e., your ability to make credit payments over time.
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SAMPLE 3-IN-1 CREDIT REPORT


SAMPLE CREDIT SCORE

Make Your Credit Score Work for You

  • Monitor your credit score: knowledge is power, and knowing your credit score can give you the power to change it.
  • Pay your bills on time: other than keeping close tabs on your credit report and credit score, this is the single most important thing you can do. There is nothing more detrimental to your credit score than being late on payments.
  • Maintain low balances on your credit accounts: a large outstanding debt or a large amount of debt in proportion to your total credit limit can have a major negative impact on your credit score.
  • Minimize the number of open accounts: a large ‘credit mix’ may be a liability.
  • Don’t close unused credit accounts while you still have substantial debt outstanding: having less available credit could hurt your score.
  • File a credit report dispute the moment you find a discrepancy: you can do this for free – be sure to act quickly.

Changing your credit score depends on many factors that may even seem contradictory. The bottom line is: be sure to understand your complete credit picture.

How Time May Affect Your Credit Report and Credit Score

Over time, as late payments, high balances, too many credit inquiries or bankruptcies move further into the past, they will have less impact on your credit score. As you work to change your credit score, stay informed, pay your bills on time and watch the impact that these steps may have on your credit score.

This website is dedicated to making it easy for American consumers to get access to and monitor their credit reports. All of the products we present are provided by Identity Guard®, one of the nation's leading credit management and identity theft service providers.
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Credit Reports provided by Equifax®, Experian® and TransUnion® through Intersections Inc.

Intersections and Identity Guard® are trademarks or federally registered trademarks of Intersections Inc. Equifax® is a registered trademark of Equifax, Inc; and other trademarks are trademarks of their respective owners.