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Know your score and what moves it

Your VantageScore 3.0 from TransUnion, refreshed weekly, with the factors driving it and alerts when something on your report changes.

742Good

VantageScore 3.0 from TransUnion, updated weekly. Checking your score here never affects it.

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What's affecting your score

  • HIGHPayment history48 of 48 payments on time100%
  • HIGHCredit utilization$1,204 of $12,000 total limit10%
  • MEDAge of credit historyOldest account opened 20157 yr 2 mo
  • LOWTotal accounts3 revolving, 1 installment4
  • LOWHard inquiriesOne in the last 24 months1

How to improve it

Payment history and credit utilization together account for most of your score. Bringing utilization below 30% of your total limit usually shows up within one or two statement cycles.

  • Pay every account on time — one 30-day late can cost 60 points or more
  • Keep total utilization under 30%, and under 10% if you can
  • Leave old accounts open; length of history helps you
  • Apply for new credit sparingly, since each hard inquiry costs a few points
Credit payoff calculatorRead the credit guide

Disclosure

VantageScore 3.0 from TransUnion is provided for educational purposes and may differ from other scores and from the score a lender uses in a credit decision. Viewing your score here is a soft inquiry and does not affect it.

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The Foundation Card reports to all three bureaus and requires no credit history.

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