How do I improve my credit score?

Your credit score is effected by many different variables. Your score is based on your payment history (35%), outstanding debt (30%), length of credit history (15%), new credit (10%), and types of credit (10%).

You can get a free credit report once a year, you can find a link from our Links page. The information in your credit report comes from Experian, TransUnion, and Equifax – the nation's three largest credit bureaus