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Understanding Credit.

The all-important credit score. Know exactly where you stand.

Credit scores range anywhere from 350-850. The higher the better.

Your number is determined by five factors combined to calculate your personal score. Even if your score is lower than desired, don't give up. With a little clarity and focus, a lot can be done to make things better..



Types of Credit

This looks at what types of credit you have.


New Credit

New applications for credit might cause you to be risky and lower your score.


Length of History

How long your accounts have been open. If you are going to close an account, DO NOT close the oldest.


Debt Utilization

How active EACH of your accounts are will affect this portion of your score.


Payment History

Making sure that you have your payments in full and on time.