Check Your Credit Scores Official

: Lenders like to see a variety of accounts, such as credit cards and installment loans.

While different lenders have different standards, here is a general guide to credit score ranges: : Excellent/Super-prime 660–719 : Good/Prime 620–659 : Fair/Near-prime Below 620 : Poor/Subprime

: You can also check your score directly through official bureau websites like Experian , Equifax , and TransUnion . Why Checking Your Score Matters check your credit scores

: Many major banks and credit card companies, such as Chase or Wells Fargo , offer free FICO or VantageScore monitoring to their customers.

: Keeping your credit utilization ratio (the amount of debt you carry relative to your credit limits) under 30% is ideal. : Lenders like to see a variety of

: Checking your own credit is a "soft inquiry" and does not hurt your score . Key Factors That Influence Your Score

Understanding how your score is calculated can help you improve it: : Keeping your credit utilization ratio (the amount

: Applying for multiple new accounts in a short period can temporarily lower your score. What Do the Numbers Mean?