How to Check Your Credit Score

Check Your Credit ReportThe Federal Trade Commission explains your rights to access consumer reporting information that affects your credit score. You can access your credit report for free from each of the 3 credit bureaus once a year. The best way to use this to your advantage is to pull one credit report every 4 months from one of the credit bureaus: Equifax, TransUnion, or Experian. By the end of a year you will have used your 3 allotments. The only official website designated for this purpose is

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How to Raise Your Credit Score

Raise Your Credit ScoreYour credit score is evaluated based on these 5 categories:

  • Payment history – 35%
  • Total amounts owed – 30%
  • Length of credit history – 15%
  • New credit – 10%
  • Types of credit used – 10%

Here are some tips to raise your credit score based on the 5 main categories that are used above.

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