Your credit score is a number based on the information in your credit file that shows how likely you are to pay a loan back on time. The higher your score, the less risk you represent.

The credit score that lenders use is called a FICO® score. Your score helps a lender determine whether you qualify for a loan and what interest rate you'll pay.

What's in Your Score
Knowing what information your score considers is the first step in understanding how to improve your credit health and build a better score.

What's Not in Your Score
Your credit file contains information that does not reflect on your creditworthiness which is ignored by the score.

How Scoring Helps You
Your scores provide a fast, objective measurement of your credit risk, which has a number of benefits for you.

Improving Your Score
By understanding what lenders view as good credit management, you can build a strong credit history, improve your score and qualify for better loan terms.

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