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Why Does Credit Matter

Why Does Credit Matter: Who Views Your Report

  • Employers
  • Phone Companies
  • Banks
  • Landlords
  • Insurance Companies
  • Car Dealerships
  • Credit Card Companies
  • Mortgage Companies

Steps to Improve Credit, from TransUnion1

  • Always make your payments on time
  • Keep balances at or below 35%
  • Apply for credit in moderation
  • Have a mix of credit types
  • Think twice before closing credit cards
  • Review your credit report frequently
Why Good Credit Matters

Why Good Credit Matters

These things may be more difficult or more expensive with poor credit:

  • Renting or even buying a home
  • Auto insurance payments
  • Interest rates on loans
  • Employment

Figuring Out Your FICO Score

Your FICO credit score has five main factors. Take a look at the chart to see how it breaks down.

Figuring Out Your FICO Score

1 This information is provided by TransUnion and is for educational purposes only and does not constitute legal or financial advice. You should always seek the advice of a legal or financial professional before making legal or financial decisions.