How are credit scores used?
A credit score is just one of several factors a company usually uses when deciding to extend credit, give insurance coverage or provide financial services to you a variety of other factors will be considered, such as length of employment, income or previous experience with you. Depending on what you are applying for, different companies weigh each of these factors differently. By using a credit score, they can evaluate your application quickly, fairly and consistently.

How can I improve my credit score?
A credit score is a snapshot of the contents of your credit report at the time it was calculated. Long-term, responsible credit behavior is the most effective way to improve future scores. Pay bills on time, lower balances and use credit wisely to improve your score over time.

How do inquiries affect my credit score?
When your credit is checked by a business for the purpose of an application a “hard inquiry” appears on your credit report. These inquiries can affect your credit scores and typically they have only a small impact. Delinquencies, balances owed, and the length of time you have used credit are all more important. Inquiries have a greater impact if you have a limited credit history.

Protect yourself from ID theft.
Last year 9.9 million people victims of identity theft. Protect yourself, it’s easy. You should also review your credit report to ensure it is accurate.