You & your Credit Score

Just 15 percent of your credit score is affected by how many loans you have and which type of loan each one is. Meanwhile, about 35 percent of your credit score represents your payment history – a solid record of on-time monthly payments holds much more weight than simply knocking one of the loans off your list. If you are successfully paying your monthly installments, you are strengthening a healthy.

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Part of your credit score is based on how much credit you utilize (your credit utilization score), so the more credit you have available, the higher your credit score. Hunter has one last seemingly counter-intuitive tip: raising your credit limits. This is another way to try and improve your credit utilization ratio.

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Depending on your total available credit, closing a credit card account with a high credit limit could hurt your credit score, particularly if you have high balances on other cards or loans. To make sure closing one card doesn’t impact your score, pay off balances on all other cards.

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The biggest factor in calculating your credit score is your payment history, which accounts for 35 percent of your credit score. Though you can’t immediately undo the negative impact of increased debt, by making on-time payments on your mortgage over the.

 · You probably know that your three-digit credit scores – which are based on the information in your credit reports – can have a major impact on your financial life. Credit scores are used by potential lenders to determine whether they will grant you a credit card, auto loan, mortgage or personal loan, and on what terms.

Does frequently checking your credit ding your report? You can do it anytime without affecting your credit score. consumer reports says you don’t have to pay a credit-monitoring service.

You can get your credit score from a variety of providers, many of them online and for free. You can also get your full credit report from each credit bureau free once a year from Those reports don’t include your credit score. offers you your Experian VantageScore 3.0 credit score for free for

You are right on the edge of every bad thing that could happen to you when it comes to identity theft, fraud, damage to your.