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US Credit Score Guide

Credit Score Guide 2026

Understand credit scores, learn what factors affect your rating, and discover proven strategies to improve and maintain excellent credit health.

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FTC 16 CFR Part 255 compliant

What is a credit score?

A credit score is a three-digit number (typically between 300–850) that represents your creditworthiness based on your credit history. It's calculated from factors like payment history (35%), amounts owed (30%), length of credit history (15%), credit mix (10%), and new credit inquiries (10%). Lenders use it to determine loan eligibility and interest rates.

Table of Contents

Credit Score Simulator

See how different financial actions could affect your credit score over the next 3–12 months. Model the impact of paying down debt, opening new accounts, or disputing errors.

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Credit Card Rewards Calculator

Compare rewards credit cards based on your spending habits. See which card maximizes your cashback, points, or miles earning potential.

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Credit Score & Credit Repair Guides