Credit Advice » Score Advice

Score Advice

A credit score is a three-digit number based on data pulled from your credit report, and it is one of several factors that lenders use to determine whether they should give you a loan or credit card. Your score can also affect what terms and interest rates you qualify to receive.

What is Provided with Your Credit Score

In addition to learning your three-digit score, a credit score is typically provided with a description of what items from your credit report most affected the score, both positively and negatively.

Credit Report vs. Credit Score

Credit reports and credit scores are two separate items lenders use to learn more about your financial history and the likelihood you’ll pay your bills in the future. While related, credit scores are not part of a credit report. Credit scores are based on information from your credit report, but must be requested separately.

Are There Different Levels of Credit Reports

July 4, 2012

Dear Experian, My Experian report says my score is 781. A credit card company said my score from Experian was 720 five days earlier. They said I may be receiving...

Checking Your Credit Report Will Not Hurt Your Score

July 4, 2012

Dear Experian, Will checking my own credit report through Experian lower my score? - MZN

Time is Necessary Before Credit Score Calculated

March 28, 2012

Dear Experian, My husband and I recently purchased a used car. He makes an annual income of $63,000 and I am a full-time, unemployed student. Because he had zero credit...

Lack of Revolving Accounts Hurt Credit Score

February 15, 2012

Dear Experian, My credit report says my score is reduced because I have no revolving credit accounts. Would it help my score to apply for and use a credit card? -...

Improving Credit Score Without a Credit Card

October 12, 2011

Dear Experian, How can you improve your credit score if you don't have any credit cards? - HQB

How to Restore Your Credit Score

July 6, 2011

Dear Experian, I just paid the last bill off my credit in May of this year. If there is nothing else for me to pay how does my credit score...