While most Americans have a credit score that is generally considered “good,” it may be helpful for those looking to raise their rating to know exactly which factors agencies use to calculate it.

The credit score that matters the most is the score that your potential lender is using to determine your creditworthiness.

Your payment history and how much of your credit limits you use are the two biggest credit scoring factors. Many, or all, of the products featured on this page are from our advertising partners who ...

Learn what a credit history is, how it affects your credit score and report, and tips for improving it. Unlock better loan ...

You probably know that paying your bills on time is crucial for your credit score. But there are other factors that play into your score, as well. One factor that you might not know about: how much of ...

A credit score is a three-digit number that lenders use to determine whether you’ll get approved for financial products like credit cards and loans. Credit scores typically range from 300 to 850, but ...

Evan Zimmer has been writing about finance for years. After graduating with a journalism degree from SUNY Oswego, he wrote credit card content for Credit Card Insider (now Money Tips) before moving to ...