Your credit score plays a big role in how lenders determine your interest rates
and how much you can borrow. Maintaining a good credit score can be the
key to getting the things
you want in life,
from a credit card or a car loan to
a
home mortgage.

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Turbo provides you with an easy-to-read breakdown of your
credit score and updates it once a month, making it simple to
see where you stand today. And with Turbo you can view your
credit report at any time, without it impacting
your credit score.

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IMPROVING YOUR SCORE

Getting a copy of your credit report is the first step toward improving your credit score. Community involvementms. schraders teaching portfolio.
Here’s a few additional tips that could give your score an additional boost.

• Pay your bills on time,
  every time

  Past payment performance significantly affects your credit score. By paying all of your bills on time every month you
  can positively increase how lenders view your future
  payment performance.

• Keep credit cards open –
  even the unused ones

  Consider keeping credit cards open – even if you aren’t using them. So long as they don’t have annual fees, keeping those cards open could actually keep your credit utilization ratio lower, and improve your
  credit score.

• Improve your
  credit utilization

  Your credit utilization ratio is calculated by adding all of your credit card balances and dividing that number by your total credit limit. Typically, lenders like to see ratios below 30%. By paying off debt and keeping
  your credit card balances low
  you can positively impact your credit
  utilization ratio. Gun bloodbacon games.

• Only apply for
  new credit
  cards
  when needed

  When you open new credit cards you trigger hard credit inquiries on your
  credit report. Opening new credit card accounts just to have a better credit mix won’t likely improve your score. So only use the credit that you currently have, whenever possible.

• Check for incorrect information
  on your credit report

  Credit reports aren’t necessarily perfect, which is why it’s important to make sure there isn’t any inaccurate information on your credit report. If you see something on your credit report that doesn’t look right, you’ll want to dispute it with your credit report provider (e.g. TransUnion) as soon as possible

• Increase your
  credit limits

  If you have a good credit history with your lender, ask your credit card issuer if you can raise your credit limits. This will result in a soft credit check, which won’t impact your credit score. A credit card limit increase may help your credit utilization rate, which can help improve your score.

It depends on which credit score model is being used, as well as each lender’s credit criteria. In general, here’s a breakdown of how credit scores are typically viewed following a credit check:

• 720 and higher: excellent credit
• 690-720: good credit
• 630-689: fair credit
• 629 or lower: bad credit

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The top three credit reporting agencies are:

• TransUnion
• Equifax
• Experian

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The score provided by Turbo is a VantageScore based on TransUnion data.

Vantage and FICO are two different credit scoring models used by credit reporting agencies. Both rate your creditworthiness based on the same basic criteria, such as:

• Payment history
• Credit utilization
• Age of credit history
• Credit applications
• Types of credit

Your credit report from Turbo is 100% totally free. There’s no credit card info required, no commitment. We won’t try to upsell you, ever.

Fast, free and easy

Signing up for your free credit report from Turbo is simple. Here's how it works:

• 
  Create an account with Turbo. Or if you already have an account with Turbo, simply sign in.

• 
  Once you verify your identity, your free credit report will be pulled from the credit bureau TransUnion.

• 
  We’ll show you your free credit report and give you a concise breakdown of your report, highlighting important factors that may affect your score.

Totally free

Turbo is completely, 100% free to use. We won't
upsell you, or ask for any credit card info. We won't
sell any of your info, either.

24/7 Credit monitoring

Get alerted as soon as we notice new or suspicious activity on
your credit report. Get instant access to your report and see
what's changed.