Credit scores

Score factors, ranges, FICO versus VantageScore at a high level, and realistic ways to improve over time.

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Credit scores are statistical estimates, and multiple scoring models exist. That means your “score” can differ depending on the model, the credit bureau file, and even the day the file is pulled.

In general, paying on time and keeping revolving balances low relative to limits helps many consumers. Still, individual results vary, and no website can honestly promise point changes.

Guides in this section

• Credit Score Ranges Explained

  Common 300–850 bands for FICO vs. VantageScore, why labels are not approval rules, and how to read your number in context.

• FICO vs. VantageScore: What's the Difference?

  Two legitimate model families, different formulas, bureau files, and lender choices — without labeling either ‘fake.’

• How to build credit

  Secured cards, builder loans, authorized-user cautions, and habits — realistic timelines, no guaranteed score gains.

• How to improve your credit score

  Payment history, utilization, age of accounts, mix, and inquiries — without guaranteed point gains.

• What Affects Your Credit Score?

  Payment history, utilization, age, mix, inquiries, and derogatories — with model caveats and no point guarantees.

• What Is a Good Credit Score?

  Why ‘good’ depends on the model and lender, how common FICO bands map, and how to check scores without hype.

Educational disclaimer

This is not advice tailored to you. If you are preparing for a mortgage or other major credit decision, verify what scoring model a lender uses and what underwriting factors matter for that product.