A credit score is a three-digit number that indicates a person’s creditworthiness and is used by lenders to evaluate the risk of lending to them. Higher scores are better, while lower scores can make it harder to get loans or credit cards.

You can establish your credit history by signing up for one of our credit building plans.

Your credit score is influenced by factors including payment history, length of credit history, types of credit, new credit inquiries, collections, credit age, and credit mix.

Credit building is the process of establishing and improving one’s credit history and score by using credit responsibly and managing debts effectively.

You may not have a credit score if you have a limited or nonexistent credit history, which typically occurs when you haven’t yet used credit products like credit cards or loans.

Your credit report may be inaccurate due to errors made by creditors or credit reporting agencies, identity theft, or incomplete information.