The Big Picture on Credit
  • History of Credit
  • What is FICO?
  • 300 - 850: What's in a number?
Simple Formula for Great Credit
  • On-time payments - the easiest way to win
  • Utilization rate
  • Recent inquiries
  • Average age of credit
  • Credit mix
Bonus Content: Myths & FAQs
  • Importance of payment history
  • How often do scores change?
  • How many credit scores do I have?
  • What happens if I make a late payment?
  • What about credit repair?
  • Paying off loans vs. credit cards
  • What happens with multiple inquiries?
  • How does renting impact my credit score?
  • How do I start building credit?
  • What is APR and why does it matter?
  • User questions