Learn about your credit report and how to get a copy | USAGov
: The official site for requesting your free credit report from the three major bureaus (Equifax, Experian, and TransUnion) every 12 months.
: Websites such as Credit Karma , Credit Sesame , or Experian offer educational scores and ongoing tracking. getting-your-credit-score
: The average age of all your accounts; older accounts demonstrate long-term stability.
: For major purchases like a mortgage, you can purchase your official FICO score directly from myFICO.com to see exactly what creditors will view. Factors That Influence Your Score Learn about your credit report and how to
: Frequent "hard inquiries" or opening multiple new accounts in a short period can temporarily lower your score. Typical Credit Score Ranges
Getting your credit score involves accessing a numerical rating of your creditworthiness, which lenders use to determine your likelihood of repaying debt. : For major purchases like a mortgage, you
: Also known as credit utilization; lenders prefer you use less than 30% of your total available credit.