May 14 2017

What’s My Credit Score? #poor #credit #home #loans

#credit report card

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What’s My Credit Score?

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

Your credit score determines whether you ll get approved for credit cards, loans, apartment rentals, and utility services, and it may even affect your chances of getting hired for certain jobs. It can mean the difference between a favorable or exorbitant interest rate, an affordable or sky high insurance rate.

That s a lot of power wrapped up in a three-digit number — which is why it s especially important to be as informed as possible about your credit score. Here are links to our most informative articles on credit score-related topics.

FICO score basics

  • Understanding Your FICO Score : While there are several types of credit scores, the most popular is the FICO score. Issued by Fair Isaac Corp. the FICO score is the industry standard — it s used by 90% of lenders .
  • Which Credit Cards Give Free FICO Scores :  This article provides an up-to-date list of creditors that make FICO scores available to consumers, free of charge.
  • Have an Auto or Student Loan? You Might Be Able to Get Your FICO Score for Free :  If you ve taken out an auto or student loan, your lender might be able to give you access to your score.

How to build credit

  • Building a Credit Score From Scratch — 5 Easy Steps : If you re building your credit for the first time — or rebuilding a less-than-desirable credit history — use information about the factors that make up your credit to boost your score.

Credit cards for each score range

If you credit score is in the bad to average credit range, there may be great credit card options for your particular circumstances.

  • NerdWallet s Best Credit Cards for Bad Credit
  • NerdWallet s Best Credit Cards for Fair or Average Credit

Everything else you need to know about credit

Still have questions about your credit score? Check out the Nerds building and rebuilding credit hub  for our top articles on credit scoring and reporting. You ll learn all about building and improving credit, understanding the ins and outs of your credit, and some great credit card options you may want to consider.

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