Credit scores

Credit score facts

Improve your credit score over time

Improve your credit by understanding the basics

What are credit scores and how are they calculated? Credit scores are fluid numbers that change as the elements in your credit report change. Stay up-to-date with your credit and get unlimited access to your Experian credit report and score with Credit Manager.

Credit scores
A credit score is a number a lender uses to decide if you’d be a good credit risk for credit cards, auto loans or home mortgage loans. Learn more about what impacts a credit score and how scores are calculated.

Credit score facts
Learn more about score factors and why lenders use credit scores. Find out how your credit score rates before approaching lenders.

Improve your credit score
Get suggestions on how to make your credit score better. Discover what items in your credit report raise and lower your score. Learn the most important contributor to a good credit score.