Credit scores can be scary. But we can make it less intimidating for you! If you're worried about your score, here's some information on what can determine your score and how you can improve it.

What determines my credit score?

  • Payment History (35%)
    If you make late payments, that will have a negative impact on your credit score.
  • Amounts Owed (30 %)
    How much of your credit have you used? The less you owe, the better.
  • Length of Credit History (15%)
    The longer you've had credit cards or credit history for, the higher your score.
  • New Credit (10%)
    If you've purchased many new credit cards recently, it tends to lower your score.
  • Type of Credit (10%)
    A mix of types of credit is better.


How do I improve my credit score?

Don't fret, there are many things to do if your credit score is less than ideal. You can keep your balances low by paying off more than the minimum payment every month. Also, don't spread out payments. Put more balance on one card instead of three.

And the biggest? Pay. On. Time. The more you on-time payments you make, the better your score will be.


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