Your Expedition To A Better Credit Score

C.R.E.D.I.T.

Credit Resources Education Development Improvement Tools

What Is C.R.E.D.I.T.?

Credit Utilization

Payment History

Derogatory Marks

Age Of Credit

Total Accounts

Credit Inquiries

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What Is C.R.E.D.I.T.?

C.R.E.D.I.T. is your go-to resource for establishing credit history, as well as for strategies to raise or repair credit scores effectively. Whether you're starting your credit journey or working on improving it, you'll find valuable tips and guidance here.

How Does This Work?

Obtain your credit score and compare it on the provided chart to understand where you stand. Then, prioritize improving areas where your score indicates room for enhancement, ensuring a targeted approach towards credit score improvement.
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How To Get Your Credit Score For Free

You can access your credit score for free through various online platforms that offer credit monitoring services. Many credit card companies also provide free access to your credit score as part of their customer benefits.

Remember THIS While Improving Your Credit!

Remember to prioritize actions that align with your best financial interests as you work towards improving your credit score. Making informed decisions and staying disciplined can lead to long-term financial success.
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An Easy Way To Start Now

The T1 online course below offers easy tasks to help you improve your credit score effectively. With just three simple steps that you can implement today, you'll be on your way to a healthier credit profile and financial well-being.

What You Need For Each Score Range*

Rating

Poor

Fair

Good

Very Good

Excellent

Score Range

300-579

50-669

670-739

740-799

800-850

Credit Utilization

75%+

50-75%

30-49%

10-29%

0-9%

Payment History

<97%

97%

98%

99%

100%

Derogatory Marks

4+

2-3

1

<1

0

Age Of Credit History

<2 years

2-4 years

5-6 years

7-8 years

9+ years

Total Accounts

0-5

6-10

8-12

11-20

21+

Credit Inquiries

9+

5-8

3-4

1-2

0

*These guidelines are estimates based on public credit report information, but each credit score algorithm is proprietary and the exact calculations are private. Each credit score model is unique and has its own formula. Individual situations may vary from the general guidelines.