How to check your credit score

How to rebuild your credit score

It's easy to let your credit score slip without realizing it. Checking your credit score and getting to know what's on your credit report are the first steps to getting to the "700 club," or "good score" range, according to one financial expert.

The first steps to rebuilding your credit score include getting to know exactly what's on your credit report and figuring out how far you are from the '700 club,' or 'good score' range.

How credit scoring works outside the US

If you move outside the US, you won’t get to take your credit score with you. Credit scoring systems work differently in other countries. In the UK, for instance, being registered to vote improves your credit score.

What your credit score actually means

The modern iteration of credit scores hasn’t been around for that long—it was invented just a few decades ago, in 1989. This video outlines how the credit scoring system has evolved and become more complex since then. Plus, it explains what your credit score actually means, what factors impact your score, and more. Watch it here.

An explanation of hard credit checks vs. soft credit checks

Some buy now, pay later services do a soft credit check rather than a hard credit check, like credit card companies would do when someone applies for a card. While hard credit checks can impact your credit score, soft pulls typically do not.

Five primary factors determine your credit score

Your credit history is used to calculate your credit score. It includes information such as how often you miss payments (on credit cards, for instance), the types of financial accounts you hold, how long you’ve held those accounts, and more.

Privacy concerns in the credit scoring system

Because credit scores use a lot of personal information (such as whether or not someone makes credit card payments on time), some worry their privacy is being compromised in the data collection process.

Do student loans affect your credit score?

While student loans can impact your credit score, that's not necessarily a bad thing. Repaying the loan on time can strengthen your credit score, whereas paying late can hurt it. To find out more about how student loans can impact your credit score, read this article.

How to get a copy of your credit report

By law, it's possible to get a free credit report once each year from Equifax, Experian, and TransUnion, the three major credit bureaus. The US government recommends using AnnualCreditReport.com to request these reports, as it's the only website authorized by the federal government to provide the legally mandated free reports.

What are business credit scores?

Businesses have credit scores the same way individuals do—with a few key differences. For one thing, business credit scores range from 0 to 100 instead of 300 to 850, and are based on factors such as bankruptcy and bill-paying habits.

Credit card issuers determine your credit limit using your payment history, income, and more

Some credit card issuers also take your other payment obligations into account when determining your credit limit, such as the cost of your rent or alimony.

Managing too many credit cards can be costly if they have annual fees

However, canceling cards must be strategic if it becomes necessary, as it can negatively impact your credit score. Before canceling, experts suggest asking if it's possible to downgrade to a no-annual-fee version in order to keep the account open, thus preventing potential hits to your credit score.

How credit unions compare to traditional banks

Although credit unions offer great perks like higher-than-average interest rates, they aren’t the right fit for every customer. This handy guide helps would-be bankers identify their top financial priorities. To see how credit unions stack up against traditional banks across key areas like branch locations, customer service, and digital technology, click here.

Credit reporting started as a service for businesses rather than consumers

In the 1700s US economy, consumer credit reporting wasn't necessary. A loan to a farmer for agricultural supplies, for instance, would inevitably help them purchase both personal and business items.

Experts recommend keeping one to two months' worth of expenses in checking

That amount allows you to pay your bills and avoid overdraft fees while ensuring you don't lose interest. Most checking accounts have a near-zero interest rate (0.07% APY on average) while high-yield savings could earn up to 4% as of 2026. Cash sitting in your checking account can mean a loss of hundreds of dollars.

How to write a check

Physical checks are not necessarily in vogue anymore, but there are several situations in which one should know how to write them. This article breaks down the basics of checks for beginners, from acquiring a checkbook to filling them out. Consult with their example template to make sure you got it right.

Rewards credit cards can offer points, travel miles, and more

For every dollar that a cardholder spends on a rewards credit card, they can also receive benefits such as cash back, airline miles, and more. For many, rewards are the reason they make so many purchases on credit cards in the first place.

Kal Penn explains credit scores

Kal Penn, the actor who played Kumar in the “Harold and Kumar” films and appeared in shows like “How I Met Your Mother” and “House,” just so happens to know a thing or two about how the credit scoring system works in the US.

Explore a college affordability and transparency guide

From the US Department of Education, this portal provides everything you need to evaluate colleges. The college scorecard provides handy data on every school, from graduation rates to annual average earnings out of school, while the net cost calculator directs you to each school's calculator that allows you to estimate the cost of college based on your unique circumstances.

Gas stations top the list of riskiest places to use a debit card

Unlike credit cards, debit cards withdraw funds directly from your checking account, and federal laws provide fewer consumer protections against debit fraud. Gas station "skimmers" and long periods of separation from the card at restaurants are some of the more vulnerable spots for use.

US consumers collectively owe more than $1T to credit card companies—almost as much as they owe in auto loans.

How to calculate your net worth

Someone's net worth is the value of their assets minus their liabilities. Assets may include a home or a retirement savings account, whereas examples of liabilities include student or credit card debt.

Take a quiz to discover your brain care score

Each year, nearly 800,000 Americans have a stroke. With such a high occurrence rate, you may be asking yourself what you could do now to prevent a future stroke. Researchers at Harvard collaborated to answer this question by coming up with a "Brain Care" scoring system. Take the quiz to learn the quality of your brain health today and pick up helpful insights to lower your risk of stroke and dementia well into the future.

The IRS may look at your social media if you're being audited

While some people cheat on their taxes, others evade paying them altogether. This article details methods the Internal Revenue Service uses to catch these people in the act, such as scanning social media, computer data analysis, and whistleblowers.

How companies track you around the internet, explained

Being able to track how users behave on websites is a massive opportunity for companies to hone their products, target their ads, and more. Dozens of trackers are on the average website you visit, depending on how you deal with that site's cookie policy, and Google is the chief tracker of them all. Learn about these companies and what they are tracking with this informative blog visualization.

Ten things to know about your heart

Your heart does amazing things day in and day out. Its main job is crucial: It keeps oxygenated blood circulating throughout your body. Did you know that, other than your cornea, every cell in your body gets blood from your heart? You may not think...

How to read the news on TikTok

There's plenty of news on TikTok, but that doesn't mean it's all reliable. This guide, written by a communication technology professor, breaks down the ways the app's algorithm delivers news. It also covers how users can determine whether or not a story is factual or misleading. Most strikingly, the professor warns readers that if they didn't search for a TikTok video, then "it probably found you."

44% of Americans say they pray at least once a day—discover how your state's religiosity stacks up against the rest of the country.

Play the role of a student in a game where you try to navigate college and remain debt-free, selecting different income levels, high school experience, race, ethnicity, and more.

The price of gas is a composite made up of several different factors, with the federal gas tax making up less than 20% of what drivers pay at the pump.

Netflix profits when you're not watching, and its movies are designed that way—read a detail-rich critical essay exposing lesser-known Netflix takes

This site reaches millions of visitors who are tired of AI chatbots and seeking human connection. Pretend to be an AI chatbot and ask questions, provide answers, and draw for people in real time.

Some coin denominations have ridges etched on their sides, partly to prevent counterfeiting, in a practice called 'reeding.'

Studies suggest when you sleep is as important as how much you get, and syncing with your circadian rhythms may lead to less fatigue and improved long-term health outcomes

Explore fun facts from the USPS, including unique post office buildings, a stamp that traveled past Pluto, and more.

The US Constitution is widely regarded as the longest-standing written national constitution still in force—see how it has influenced rights worldwide.

Use this calculator to find the dollar value of your mental load, from meal planning to coordinating after-school care for your children.

In 2026, Finland was named the world's happiest country for the ninth consecutive year based on its wealth, social safety network, and high life expectancy, among other factors.

Lesser-known phobias include turophobia, or the fear of cheese, and nomophobia, the fear of being without your cell phone.

Clever Hans was a 1900s horse that was believed to be able to solve math equations, tell time, and read and comprehend German, until a psychology student discovered how he got his answers.

Watch a 1934 short film starring jazz legend Cab Calloway, a major figure in the Harlem Renaissance's music scene

Up to a million Girl Scouts sell about 200 million cookie boxes every spring, generating $800 million, largely because refusing a child is frowned upon

An initial public offering or 'IPO' is the process of a private company becoming public by putting shares of the company on the stock market for purchase.

Pure water does not conduct electricity because this flow of energy requires the movement of charged particles, and water is a neutral molecule.

Recent research found that the brain doesn't seem to massively rewire following amputation—upending earlier beliefs about the cause of phantom limb pain.

According to the physics of black holes, our 4D reality may be a hologram—a projection of information coded on a 2D surface on the edge of the universe.

Shooting stars, or meteors, are fragments of asteroids and comets that burn up as they enter Earth's atmosphere, creating streaks in the sky called meteor showers.

Astronauts have repaired genetic damage in space using CRISPR—a molecular tool that can make precise changes to DNA and is used in single-celled organisms to attack invasive viruses.

This poison ivy knowledge quiz—accompanied by photos of the plant's varied forms—may help you identify this common rash-inducing growth.

Corals are themselves not coral reefs—the term refers to the tiny marine invertebrates that build the rigid reef.