You & your Credit Score

Since your credit score is based on the information in your credit report, the first place you should go to improve your credit score is your credit report. Order copies of your credit reports from each of the three major credit bureaus to identify the accounts that need work.

Before you pick up your scissors, though, know this: Canceling a credit card the right way involves more than simply snipping it in two. It requires you to follow specific steps to close the credit card account for good – with the least damage to your credit score. How to cancel a credit card the right way in 7 steps

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Closing a credit card can hurt your credit score, particularly if you close an older card or one with a high credit limit. Closing a credit card can subtract points from your credit score.

If a creditor or insurance company says you were denied credit or insurance because you are too near your credit limits on your credit cards, you may want to reapply after paying down your balances. Because credit scores are based on credit report information, a score often changes when the information in the credit report changes.

that can be dangerous if payments are late or missed because it hurts your credit. With a low score, any loan you apply for will have a high interest rate, making it very difficult to get out of debt..

Note that there are multiple scores you may be assigned. But the FICO score most commonly used by lenders-and the one your credit card issuer is likely to provide you for free or you can get for free.

Your credit report and score can affect your ability to get a loan, rent an apartment, or even qualify for a job. A credit report shows your bill payment history, current debt, and other financial info. companies and lenders use your credit report to calculate your credit score-a number usually between 300 and 850.

A good Credit Score helps lower your payments for mortgages, car payments, credit cards, insurance premiums and more. Once you’ve signed up , we’ll pull your Credit Score and show where you stand. You’ll see how it changes month after month, and our credit expert system will provide personalized information on what is impacting your Score.