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Check your credit score and see a clear letter grade for the five major factors that impact your credit
We analyze your credit profile and highlight the areas where you can take immediate action to build positive credit history
We outline the steps you need to take to improve your grade and raise your credit score
By clicking on the button above, you agree to the Credit Sesame Terms of Use and Privacy Policy.
Check your credit score and see a clear letter grade for the five major factors that impact your credit
We analyze your credit profile and highlight the areas where you can take immediate action to build positive credit history
We outline the steps you need to take to improve your grade and raise your credit score
By clicking on the button above, you agree to the
Credit Sesame Terms of Use and Privacy Policy.
You want the highest credit score possible—and we’re here to help you get it. We show you how the actions you take now can influence the credit score you have in the future.
Payment history has the biggest impact on your credit score. It reflects how consistently you’ve made payments on your credit accounts, such as credit cards, loans, and mortgages. To build positive payment history, it’s important to make on-time payments.
Payment history has the biggest impact on your credit score. It reflects how consistently you’ve made payments on your credit accounts, such as credit cards, loans, and mortgages. To build positive payment history, it’s important to make on-time payments.
Credit usage has the second largest impact on your score. It refers to how much of your available credit you’re using. High usage can lower your credit score, as it might indicate that you’re relying too much on credit. Using less of your available credit is always better.
Credit usage has the second largest impact on your score. It refers to how much of your available credit you’re using. High usage can lower your credit score, as it might indicate that you’re relying too much on credit. Using less of your available credit is always better.
Your credit age has a smaller impact on your credit score—but it still matters. It refers to the average age of your open accounts. A longer credit history shows you have experience managing credit responsibly, so it’s generally a good idea to keep your oldest accounts open.
Your credit age has a smaller impact on your credit score—but it still matters. It refers to the average age of your open accounts. A longer credit history shows you have experience managing credit responsibly, so it’s generally a good idea to keep your oldest accounts open.
Your account mix is also a smaller part of your credit score. It refers to the different types of accounts you have, like credit cards, loans, and mortgages. Having a diverse mix can positively impact your credit score, because it shows you can handle a variety of debt responsibly.
Your account mix is also a smaller part of your credit score. It refers to the different types of accounts you have, like credit cards, loans, and mortgages. Having a diverse mix can positively impact your credit score, because it shows you can handle a variety of debt responsibly.
The smallest factor that impacts credit score are credit inquiries.
“Hard Inquiries” occur when you apply for credit and lenders check your credit report. Checking your own credit score and report is called a “soft inquiry” and does not affect your credit.
Payment history has the biggest impact on your credit score. It reflects how consistently you’ve made payments on your credit accounts, such as credit cards, loans, and mortgages. To build positive payment history, it’s important to make on-time payments.
Payment history has the biggest impact on your credit score. It reflects how consistently you’ve made payments on your credit accounts, such as credit cards, loans, and mortgages. To build positive payment history, it’s important to make on-time payments.
Credit usage has the second largest impact on your score. It refers to how much of your available credit you’re using. High usage can lower your credit score, as it might indicate that you’re relying too much on credit. Using less of your available credit is always better.
Credit usage has the second largest impact on your score. It refers to how much of your available credit you’re using. High usage can lower your credit score, as it might indicate that you’re relying too much on credit. Using less of your available credit is always better.
Your credit age has a smaller impact on your credit score—but it still matters. It refers to the average age of your open accounts. A longer credit history shows you have experience managing credit responsibly, so it’s generally a good idea to keep your oldest accounts open.
Your credit age has a smaller impact on your credit score—but it still matters. It refers to the average age of your open accounts. A longer credit history shows you have experience managing credit responsibly, so it’s generally a good idea to keep your oldest accounts open.
Your account mix is also a smaller part of your credit score. It refers to the different types of accounts you have, like credit cards, loans, and mortgages. Having a diverse mix can positively impact your credit score, because it shows you can handle a variety of debt responsibly.
Your account mix is also a smaller part of your credit score. It refers to the different types of accounts you have, like credit cards, loans, and mortgages. Having a diverse mix can positively impact your credit score, because it shows you can handle a variety of debt responsibly.
The smallest factor that impacts credit score are credit inquiries.
“Hard Inquiries” occur when you apply for credit and lenders check your credit report. Checking your own credit score and report is called a “soft inquiry” and does not affect your credit.
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