Your creditors regularly update your accounts with Experian, TransUnion, and Equifax. Changes such as on-time or late payments, increases or decreases in balances, and newly opened or closed accounts can all cause your credit scores to move up, down, or remain the same.
Staying informed about updates to your credit reports can help you avoid surprises when applying for a car loan, mortgage, credit card, or apartment. The biggest factors influencing your credit scores are payment history, outstanding debt, credit mix, credit age, and credit inquiries.
Your credit scores are based on your credit reports. Key factors include:
Negative Information
Late payments and accounts in collections can substantially lower excellent, great, and good credit scores.
Outdated Information
Accounts eventually drop off your credit report, so removing outdated information helps protect your credit scores.
Credit Report Errors
Creditors can make mistakes, and some errors can lower credit scores. Credit monitoring helps you spot errors on your credit reports.
ScoreSense lets you monitor your credit scores and reports.
Not all lenders report to all three credit bureaus, so your credit scores from TransUnion, Equifax, and Experian may differ. Accessing all three reports and scores gives you a complete credit profile and helps you understand what’s affecting your scores.
Get immediate access to your Experian, TransUnion, and Equifax credit scores and reports, plus updates that help you quickly spot any unauthorized accounts.
Receive Daily Credit Monitoring for suspicious activity, with alerts that notify you of any changes to your credit report.
Our Credit Specialists are available to offer personalized, one-on-one support for all your credit questions.
Visit our online Dispute Center to learn how to dispute any inaccurate information on your credit reports. The platform guides you through the dispute process step by step.
Credit Insights highlight the main factors affecting your credit scores, providing clear explanations so you can understand what drives your rating.
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Credit scores and ratings shown above are examples only.
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