post image

What Does Your Credit Score Start at?

When using credit, you begin to establish a credit score but you may wonder—what does your credit score start at? Hint: It isn't zero. Read on to find out.

Credit Tools

Credit report card

Free credit score and credit report snapshot

Get your free score

Calculators

Tools to help you take control of your financial goals

Calculate your savings

Free credit repair assessment

Ensure you have an accurate credit report

Learn more

All blog posts

What Does Your Credit Score Start at?
Credit Score

What Does Your Credit Score Start at?

When using credit, you begin to establish a credit score but you may wonder—what does your credit score start at? Hint: It isn't zero. Read on to find out.

Nikkita Walker

How to Remove Hard Inquiries from Credit Reports in 7 Steps
Uncategorized

How to Remove Hard Inquiries from Credit Reports in 7 Steps

Learning how to remove hard inquiries could help to raise your credit score and prevent fraud. We’ll explain how to get them removed with credit agencies’ help.

Nikkita Walker

What Is a Good Credit Score? [With Ranges]
Credit Score

What Is a Good Credit Score? [With Ranges]

A good credit score is 670 or above, while scores of 740 and above are very good to excellent. See how your score measures up on our credit score chart.

Nikkita Walker

How to Apply for a Loan in 7 Steps
loans

How to Apply for a Loan in 7 Steps

Learn how to apply for a loan. Discover tips on checking your credit, gathering necessary documents and finding the right loan option for your needs.

Nikkita Walker

5 Steps to Fight a Credit Card Lawsuit
Credit 101

5 Steps to Fight a Credit Card Lawsuit

Discover strategies to dismiss a credit card lawsuit: respond on time, challenge proof, use statute of limitations, or negotiate settlements effectively.

Nikkita Walker

The Pros and Cons of Voluntary Repossession
Managing Debt

The Pros and Cons of Voluntary Repossession

Discover the pros and cons of voluntary repossession and its effects on credit, plus explore alternatives to make informed financial decisions today.

Nikkita Walker

How to Negotiate with Creditors to Reduce Your Debt: A Step-by-Step Guide
Managing Debt

How to Negotiate with Creditors to Reduce Your Debt: A Step-by-Step Guide

Struggling with debt? Discover effective strategies on how to negotiate with creditors, how to protect your rights, and reduce your overall debt burden.

Nikkita Walker

How to Build Credit at 17: Where to Start + Credit Risks to Watch For
building credit

How to Build Credit at 17: Where to Start + Credit Risks to Watch For

Learn how to build credit at 17 with strategies like becoming an authorized user. Start smart habits now to prepare for a strong financial future.

Nikkita Walker

How Does Being a Cosigner Affect Your Credit? 
Managing Debt

How Does Being a Cosigner Affect Your Credit? 

Understand the risks and benefits of cosigning a loan or credit card. Learn how being a cosigner can affect your credit score and long-term financial future.

Nikkita Walker

Will Adding an Authorized User Hurt My Credit?
Credit Cards

Will Adding an Authorized User Hurt My Credit?

Learn more about what an authorized user is and if becoming one or adding one to your credit card account will have an impact on your credit score.

Mackenzie Halversen

Top contributors

All contributors