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If you're young and/or just starting out in your financial life, the good news is that there is a way to do just that – if you have a little knowledge...read more
Anyone with a track record of garnering credit or obtaining a loan has a credit report – and a credit score.
Your credit score tracks your borrowing, charging, and debt payment history. It's pretty cut-and-dried. A high credit score places you within easier (and cheaper) reach of your financial goals, like owning a home or buying a new car. A lousy credit score means you may not be approved for the loans and credit needed for such items, or if you are approved, you'll likely pay more money in interest to obtain that credit.
Based on your credit history, especially in how it compares to others, your credit score is designed to forecast your likelihood of paying back debt if financial institutions extend you credit.
Your credit score is based on five key categories contained within your credit reports (as follows):
Your credit score is essentially your "credit report card" on how you've managed your financial obligations – for good or for bad.
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† Monitoring with Experian ® begins within 48 hours of enrollment in your trial. Monitoring with Equifax® and Transunion ® takes approximately 4 days to begin, though in some cases cannot be initiated during your trial period. You may cancel your trial membership any time within 9 days of enrollment without charge.
Calculated on the PLUS Score model, your Experian Credit Score indicates your relative credit risk level for educational purposes and is not the score used by lenders.
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