Credit Score Helper

Check your creditworthiness and get personalized improvement tips. Free credit check with actionable recommendations.

Credit Assessment

Calculate Your Credit Score

Enter your credit information on the left to get your estimated credit score and personalized improvement tips.

Credit Improvement Tips

Expert advice to help you build and maintain excellent credit

Payment History

  • Pay all bills on time, every time
  • Set up automatic payments for recurring bills
  • Contact creditors if you're having trouble making payments
  • Keep old accounts open to maintain payment history

Credit Utilization

  • Keep credit card balances below 30% of your limit
  • Pay off credit cards multiple times per month
  • Request credit limit increases on existing cards
  • Consider consolidating high-balance cards

Credit Age

  • Keep your oldest credit accounts open
  • Don't close accounts unless absolutely necessary
  • Be patient - credit age improves over time
  • Consider becoming an authorized user on old accounts

Credit Mix

  • Maintain a mix of credit types (cards, loans, mortgages)
  • Don't open new accounts just for credit mix
  • Focus on managing existing accounts well
  • Consider a small personal loan if you only have credit cards

New Credit

  • Limit new credit applications to necessary ones only
  • Space out credit applications by 6+ months
  • Shop for rates within a 14-45 day window
  • Avoid opening multiple accounts at once