{"id":206361,"date":"2024-08-14T09:56:31","date_gmt":"2024-08-14T09:56:31","guid":{"rendered":"https:\/\/www.creditsesame.com\/?post_type=learn-knowledge-hub&#038;p=206361"},"modified":"2024-11-14T05:31:16","modified_gmt":"2024-11-14T05:31:16","slug":"a-guide-to-understanding-your-credit-score","status":"publish","type":"learn-knowledge-hub","link":"https:\/\/www.creditsesame.com\/learn\/credit-score\/a-guide-to-understanding-your-credit-score\/","title":{"rendered":"A guide to understanding your credit score"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"206361\" class=\"elementor elementor-206361\" data-elementor-post-type=\"learn-knowledge-hub\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-110236d section-module section-module-seen elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"110236d\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\" data-module-name=\"A guide to understanding your credit score\" data-module-position=\"1\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-85dcaf3\" data-id=\"85dcaf3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6fc3797a module-heading margin-0 elementor-widget elementor-widget-heading\" data-id=\"6fc3797a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">A guide to understanding your credit score<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46903e43 elementor-widget__width-initial margin-0-p elementor-widget elementor-widget-text-editor\" data-id=\"46903e43\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A credit score is a 3-digit numerical representation of your creditworthiness. It is based on various factors such as payment history, credit utilization, length of credit history, types of credit, and recent credit inquiries. Lenders and creditors use credit scores to assess your lending risk.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-2cbafac section-module section-module-seen elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2cbafac\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\" data-module-name=\"Get your credit score\" data-module-position=\"2\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2f198873\" data-id=\"2f198873\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5d9a4327 margin-0 elementor-widget elementor-widget-template\" data-id=\"5d9a4327\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<section data-elementor-type=\"section\" data-elementor-id=\"203772\" class=\"elementor elementor-203772\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-173a5f7a elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"173a5f7a\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5070766d\" data-id=\"5070766d\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-4b0210ab elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4b0210ab\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-2a8e7f43 image-container\" data-id=\"2a8e7f43\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3f9b325c elementor-widget-tablet__width-auto elementor-widget elementor-widget-image\" data-id=\"3f9b325c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"160\" height=\"161\" src=\"https:\/\/www.creditsesame.com\/wp-content\/uploads\/2024\/04\/CS_3D-Icons_Dial-Static-High_A.png\" class=\"attachment-large size-large wp-image-203775\" alt=\"3D Icon Dial\" srcset=\"https:\/\/www.creditsesame.com\/wp-content\/uploads\/2024\/04\/CS_3D-Icons_Dial-Static-High_A.png 160w, https:\/\/www.creditsesame.com\/wp-content\/uploads\/2024\/04\/CS_3D-Icons_Dial-Static-High_A-150x150.png 150w\" sizes=\"(max-width: 160px) 100vw, 160px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-793c5a67\" data-id=\"793c5a67\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4e03d93b elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-heading\" data-id=\"4e03d93b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Get your free credit score<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a2f3780 elementor-widget__width-initial elementor-widget-mobile__width-inherit get-your-free-credit-score-disc elementor-widget elementor-widget-text-editor\" data-id=\"3a2f3780\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Start today. The sooner you know your baseline score, the sooner you can start to build credit history.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-49fc2e23\" data-id=\"49fc2e23\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-564404f elementor-align-center elementor-mobile-align-justify signup-btn elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-button\" data-id=\"564404f\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"https:\/\/secured.creditsesame.com\/oneClickSignup\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get started for FREE<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1facc528 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"1facc528\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>By clicking on the button above, you agree to the Credit Sesame <a class=\"disclaimer-link\" href=\"https:\/\/www.creditsesame.com\/legal\/terms-of-use\/\">Terms of Use<\/a> and <a class=\"disclaimer-link\" href=\"https:\/\/www.creditsesame.com\/legal\/privacy-policy\/\">Privacy Policy<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-6e979a0 faq-container section-module section-module-seen elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6e979a0\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\" data-module-name=\"Core Content for A guide to understanding your credit score\" data-module-heading=\"Introduction\" data-module-position=\"3\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-e1312df elementor-hidden-mobile elementor-hidden-tablet\" data-id=\"e1312df\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-8883606 elementor-section-full_width learn-post-table-of-content elementor-section-height-default elementor-section-height-default\" data-id=\"8883606\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-dbfe8b6\" data-id=\"dbfe8b6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-55bd460 margin-0 learn-post-table-of-content-items elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"55bd460\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">ON THIS PAGE<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#cs_credit_score\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">What is a credit score?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#cs_types_of_credit_score\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">What are the types of credit scores?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#cs_credit_scores_calculated\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">How are credit scores calculated?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#cs_relationship_credit_score_credit_report\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">What is the relationship between credit score and credit report?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#cs_using_credit_score\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Who uses my credit score?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#cs_benefits_of_creditscore\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">What are some benefits of having a credit score?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#cs_creditscore_file\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Who keeps my credit score on file?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#cs_using_creditscore_2\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">When do credit scores typically get used?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#in_a_nutshell\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">In a nutshell<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3491437 margin-0 elementor-widget elementor-widget-heading\" data-id=\"3491437\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Share this<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-164968e elementor-widget__width-auto copyUrlButton elementor-widget elementor-widget-image\" data-id=\"164968e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"25\" height=\"24\" src=\"https:\/\/www.creditsesame.com\/wp-content\/uploads\/2024\/08\/link.svg\" class=\"attachment-large size-large wp-image-206321\" alt=\"Copy Link Icon\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ba63f7 elementor-share-buttons--view-icon elementor-share-buttons--skin-flat elementor-share-buttons--shape-circle elementor-share-buttons--color-custom elementor-widget__width-auto elementor-grid-0 elementor-widget elementor-widget-share-buttons\" data-id=\"9ba63f7\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-grid\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\">\n\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"elementor-share-btn elementor-share-btn_facebook\"\n\t\t\t\t\t\t\trole=\"button\"\n\t\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\t\taria-label=\"Share on facebook\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-facebook\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\">\n\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"elementor-share-btn elementor-share-btn_twitter\"\n\t\t\t\t\t\t\trole=\"button\"\n\t\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\t\taria-label=\"Share on twitter\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-twitter\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\">\n\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"elementor-share-btn elementor-share-btn_linkedin\"\n\t\t\t\t\t\t\trole=\"button\"\n\t\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\t\taria-label=\"Share on linkedin\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-linkedin\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-307e5d7 faq-container\" data-id=\"307e5d7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-68edcf8 margin-0 elementor-widget elementor-widget-heading\" data-id=\"68edcf8\" data-element_type=\"widget\" id=\"cs_credit_score\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is a credit score?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ee818a elementor-widget elementor-widget-text-editor\" data-id=\"0ee818a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A credit score is usually a number ranging from 300 to 850. It is an essential financial tool lenders and creditors use to assess an individual&#8217;s creditworthiness. Your credit score reflects your credit history and helps predict your ability to repay borrowed funds.<\/p><p>Credit scores are calculated based on credit report information, which contains data about your credit accounts, payment history, public records, and inquiries. The most commonly used credit scoring models are the FICO\u00ae Score and VantageScore, though other specialized models exist.<\/p><p>Factors contributing to the calculation of credit scores include payment history, which indicates how consistently and responsibly debts are repaid; credit utilization, which measures the amount of credit used compared to the total available credit; length of credit history, which assesses the duration of an individual&#8217;s credit accounts; credit mix, which considers the types of credit used (e.g. credit cards, loans); and recent credit inquiries, which reflect recent applications for credit.<\/p><p>A higher credit score suggests lower credit risk; you are more likely to get credit approval and favorable interest rates. Lenders and creditors use credit scores to evaluate loan applications, determine credit limits, and set interest rates. Insurance companies, landlords, and employers may also consider credit scores when assessing risk or making decisions.<\/p><p>Regularly monitoring and maintaining a good credit score is important for financial well-being. It can be achieved by making timely payments, keeping credit utilization low, maintaining a mix of credit types, and being cautious with new credit applications. Understanding credit scores empowers individuals to take control of their financial health and make informed decisions about borrowing and credit management.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b540b3a margin-0 elementor-widget elementor-widget-heading\" data-id=\"b540b3a\" data-element_type=\"widget\" id=\"cs_types_of_credit_score\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What are the types of credit scores?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-553fedd elementor-widget elementor-widget-text-editor\" data-id=\"553fedd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Lenders and creditors use several types of credit scores to assess your creditworthiness. The two most widely recognized credit scoring models are the FICO Score and VantageScore.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b09cb1 margin-0 elementor-widget elementor-widget-heading\" data-id=\"6b09cb1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">FICO\u00ae Score<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d0f8c4 elementor-widget elementor-widget-text-editor\" data-id=\"1d0f8c4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The FICO Score is developed by the Fair Isaac Corporation and is widely used by lenders. It is based on a scale ranging from 300 to 850, with higher scores indicating lower credit risk. The FICO Score considers various factors, including payment history, credit utilization, length of credit history, credit mix, and recent credit inquiries. The FICO Score has different versions, with FICO Score 8 being one of the most commonly used.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6182082 margin-0 elementor-widget elementor-widget-heading\" data-id=\"6182082\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">VantageScore<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e69fb73 elementor-widget elementor-widget-text-editor\" data-id=\"e69fb73\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>VantageScore is a credit scoring model developed by the three major credit bureaus: Experian, Equifax, and TransUnion. It also uses a scale ranging from 300 to 850, with higher scores indicating lower credit risk. VantageScore takes into account factors similar to the FICO Score, such as payment history, credit utilization, credit age and mix, and inquiries.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-90c8d82 margin-0-p elementor-widget elementor-widget-text-editor\" data-id=\"90c8d82\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Apart from these widely used credit scoring models, there are other specialized credit scores that cater to specific industries or purposes. These include:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc75a39 last-li-space elementor-widget elementor-widget-text-editor\" data-id=\"bc75a39\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><strong>Industry-specific scores.<\/strong> Certain industries, such as the auto and mortgage industries, have their own credit scoring models tailored to assess creditworthiness for specific types of loans.<\/li><li><strong>Educational scores.<\/strong> Educational credit scores are designed for educational purposes, providing consumers with an estimate of their creditworthiness based on specific criteria.<\/li><li><strong>Internal scores.<\/strong> Some lenders or financial institutions may develop their proprietary scoring models to evaluate credit applications and determine lending terms. These scores are specific to the institution and may consider factors beyond traditional credit data.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3998382 elementor-widget elementor-widget-text-editor\" data-id=\"3998382\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It&#8217;s important to note that the specific credit scoring models used by lenders may vary, and different models can generate different credit scores for the same individual. However, the fundamental principles and factors considered in most credit scoring models remain consistent.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44982d8 margin-0 elementor-widget elementor-widget-heading\" data-id=\"44982d8\" data-element_type=\"widget\" id=\"cs_credit_scores_calculated\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How are credit scores calculated?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-998d01c elementor-widget elementor-widget-text-editor\" data-id=\"998d01c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Credit scoring models, such as the FICO Score and VantageScore, analyze the information in your credit report to assign a credit score. These models consider various factors to determine your score:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e1f852 last-li-space elementor-widget elementor-widget-text-editor\" data-id=\"4e1f852\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><strong>Payment history.<\/strong> The timeliness of past payments, including any missed or late payments, is a crucial factor. Consistent on-time payments have a positive impact on your credit score.<\/li><li><strong>Credit utilization or usage.<\/strong> This is the ratio of credit used compared to the total available credit. Lower credit utilization, typically below 30%, is generally viewed positively by lenders and can contribute to a higher credit score.<\/li><li><strong>Length of credit history.<\/strong> The length of time you have had credit accounts is considered. A longer credit history demonstrates stability and responsible credit management, which can positively impact your credit score.<\/li><li><strong>Types of credit.<\/strong> The mix of credit accounts, such as credit cards, loans, and mortgages, can influence your credit score. A diverse credit mix may indicate responsible borrowing behavior.<\/li><li><strong>Recent credit inquiries.<\/strong> Recent applications for new credit can have a temporary negative impact on the credit score, particularly if there are multiple inquiries within a short time period. However, credit scoring models generally allow for rate shopping, where similar inquiries within a specified window are treated as a single inquiry.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-382f3fd elementor-widget elementor-widget-text-editor\" data-id=\"382f3fd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The specific weight assigned to each factor may vary between credit scoring models. Different lenders may also have their own criteria and cutoffs for creditworthiness.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d264af elementor-widget elementor-widget-text-editor\" data-id=\"0d264af\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A higher credit score indicates lower credit risk, making you more likely to be approved for credit and qualify for favorable interest rates. It&#8217;s important to regularly monitor credit scores, maintain a positive payment history, keep credit utilization low, and address any errors or discrepancies in credit reports to improve or maintain a good credit score.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c2a826 margin-0 elementor-widget elementor-widget-heading\" data-id=\"1c2a826\" data-element_type=\"widget\" id=\"cs_relationship_credit_score_credit_report\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is the relationship between credit score and credit report?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-049d6e8 elementor-widget elementor-widget-text-editor\" data-id=\"049d6e8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Your credit scores are derived from the information contained in your credit reports.<\/p><p><span style=\"color: var( --e-global-color-text ); letter-spacing: var( --e-global-typography-84af9a0-letter-spacing ); word-spacing: var( --e-global-typography-84af9a0-word-spacing );\">Credit reports are comprehensive records of an individual&#8217;s credit history compiled by credit bureaus. They include details about credit accounts, payment history, public records, and inquiries. A credit report serves as a repository of information that lenders, creditors, and other entities use to assess an individual&#8217;s creditworthiness.<\/span><\/p><p><span style=\"color: var( --e-global-color-text ); letter-spacing: var( --e-global-typography-84af9a0-letter-spacing ); word-spacing: var( --e-global-typography-84af9a0-word-spacing );\">Your credit score is a numerical representation of your creditworthiness based on this information. It is calculated using a specific scoring model, such as the FICO Score or VantageScore, which takes into account the information from the credit report. The credit scoring model applies a set of algorithms and weights to the various factors in the credit report to generate the credit score.<\/span><\/p><p>In summary, a credit report contains the detailed information about your credit history, while the credit score is a numerical summary derived from that information. The credit score serves as a standardized measure of creditworthiness and is used by lenders and creditors to make decisions about granting credit, setting interest rates, and determining loan terms.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9931d8 margin-0 elementor-widget elementor-widget-heading\" data-id=\"d9931d8\" data-element_type=\"widget\" id=\"cs_using_credit_score\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who uses my credit score?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fc0178 elementor-widget elementor-widget-text-editor\" data-id=\"1fc0178\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A number of people and entities can legally request a copy of your credit report, which is the information that feeds into your credit score. For example, according to the Consumer Financial Protection Bureau (CFPB), this list includes:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ebd96b last-li-space elementor-widget elementor-widget-text-editor\" data-id=\"9ebd96b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Businesses you owe money<\/li><li>Government agencies<\/li><li>Landlords<\/li><li>Employers<\/li><li>Insurance providers<\/li><li>Banks and financial providers<\/li><li>Legal entities (in the event of court orders, for example)<\/li><li>Others you have authorized in writing to receive a copy<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48446d9 elementor-widget elementor-widget-text-editor\" data-id=\"48446d9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Although these people and organizations might never see your credit score, they depend upon the information in your credit report to make decisions. For example, these entities might review your credit report to answer questions such as:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-540edd0 last-li-space elementor-widget elementor-widget-text-editor\" data-id=\"540edd0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Can I trust this person to pay their monthly rent on time and at the rate we\u2019ve agreed upon?<\/li><li>At what interest rate should I extend this bank loan to my client?<\/li><li>Is this person eligible to participate in a state or federal government program I manage?<\/li><li>Can I confirm this job candidate\u2019s identity and confidently extend a job offer?<\/li><li>Is this person in a position to pay the child support they owe?<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc222d8 elementor-widget elementor-widget-text-editor\" data-id=\"dc222d8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Requests for credit reports are common and generally serve as a tool for verifying your information. They also help others make an informed decision about the terms and conditions for extending credit and working with you in other financial capacities in the future.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b87f066 margin-0 elementor-widget elementor-widget-heading\" data-id=\"b87f066\" data-element_type=\"widget\" id=\"cs_benefits_of_creditscore\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What are some benefits of having a credit score?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f66a0f elementor-widget elementor-widget-text-editor\" data-id=\"1f66a0f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There are several positive reasons to have a credit score. A credit score serves as shorthand for your overall financial history. When you share your credit score with a trusted financial adviser or a prospective lender, they can immediately place you on the scale for that score\u2014for example, somewhere between 300 and 850 in the case of the FICO Score.<\/p><p>Although this information is limited without a closer review of your credit report, it enables the other party to arrive at some general impressions of your financial health. For example, a higher score could signal you have used debt wisely in the past. You have kept an appropriate balance of available credit and credit actively in use. You\u2019ve made payments on time and avoided making too many requests for new credit.<\/p><p>A lower credit score might signal you have faced financial challenges. For example, you may have maxed out some of your accounts. You might have lost a job or encountered other issues that led to missed payments.<\/p><p>The good news about a credit score is that it changes all the time. If you have a higher score, you can maintain and improve it with the right financial habits. If you have a lower score, you can focus on making timely payments and paying down balances you\u2019ve had on file for some time. There are always new opportunities to improve the building blocks of your credit report, which rolls into your credit score.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71cd2da margin-0 elementor-widget elementor-widget-heading\" data-id=\"71cd2da\" data-element_type=\"widget\" id=\"cs_creditscore_file\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who keeps my credit score on file?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-203d3a9 elementor-widget elementor-widget-text-editor\" data-id=\"203d3a9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Your credit score can be found in several places. One of the most common ways to get your score is to review your online or print statements from a credit card or a loan in your name. Increasingly, financial organizations are posting this information for your customers. Your lender is an example of a company that keeps your score on file.<\/p><p>Several types of nonprofit financial advisers can also help you access your credit report and corresponding credit score. For example, nonprofit credit counselors and even some federally approved housing counselors can support you in reviewing this information to get the answers you need.<\/p><p>Make sure any credit score you obtain is the same kind of score that a lender would use to evaluate whether you are eligible for a loan. Some groups can provide you with an educational credit score. These aren\u2019t preferred because often, they aren\u2019t the same number that a financial institution would use to make a decision involving credit.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1568b08 margin-0 elementor-widget elementor-widget-template\" data-id=\"1568b08\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<section data-elementor-type=\"section\" data-elementor-id=\"203789\" class=\"elementor elementor-203789\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-73ae1594 elementor-section-content-middle see-free-score elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"73ae1594\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-459c8772\" data-id=\"459c8772\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-67936ac0 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"67936ac0\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-51d973b7 see-free-score-details-section\" data-id=\"51d973b7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-561d43c3 see-free-score-heading elementor-widget__width-initial elementor-widget-tablet__width-inherit elementor-widget elementor-widget-heading\" data-id=\"561d43c3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">See your FREE score<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1031a618 elementor-widget__width-inherit elementor-widget-tablet__width-inherit see-free-score-disc elementor-widget elementor-widget-text-editor\" data-id=\"1031a618\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>100% Free. No credit card. No trials.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-188a3d70 elementor-mobile-align-justify signup-btn elementor-widget__width-inherit elementor-tablet-align-justify elementor-widget-tablet__width-initial elementor-widget elementor-widget-button\" data-id=\"188a3d70\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"https:\/\/secured.creditsesame.com\/oneClickSignup\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get started for FREE<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5dc6bd94 see-free-score-img-section\" data-id=\"5dc6bd94\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5348f77e elementor-widget__width-auto elementor-hidden-widescreen elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-image\" data-id=\"5348f77e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"463\" height=\"401\" src=\"https:\/\/www.creditsesame.com\/wp-content\/uploads\/2024\/04\/creditsesame-app-mobile.png\" class=\"attachment-full size-full wp-image-203793\" alt=\"\" srcset=\"https:\/\/www.creditsesame.com\/wp-content\/uploads\/2024\/04\/creditsesame-app-mobile.png 463w, https:\/\/www.creditsesame.com\/wp-content\/uploads\/2024\/04\/creditsesame-app-mobile-300x260.png 300w\" sizes=\"(max-width: 463px) 100vw, 463px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-373020cc elementor-widget__width-auto elementor-hidden-mobile elementor-widget-tablet__width-inherit elementor-widget elementor-widget-image\" data-id=\"373020cc\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"515\" height=\"629\" src=\"https:\/\/www.creditsesame.com\/wp-content\/uploads\/2024\/04\/creditsesame-app-desktop.png\" class=\"attachment-full size-full wp-image-203792\" alt=\"Creditsesame App\" srcset=\"https:\/\/www.creditsesame.com\/wp-content\/uploads\/2024\/04\/creditsesame-app-desktop.png 515w, https:\/\/www.creditsesame.com\/wp-content\/uploads\/2024\/04\/creditsesame-app-desktop-246x300.png 246w\" sizes=\"(max-width: 515px) 100vw, 515px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f2b0278 margin-0 elementor-widget elementor-widget-heading\" data-id=\"f2b0278\" data-element_type=\"widget\" id=\"cs_using_creditscore_2\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">When do credit scores typically get used?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e442dd elementor-widget elementor-widget-text-editor\" data-id=\"0e442dd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Credit scores most commonly get used by individual consumers who want to understand their own personal financial health. They might also be preparing for a major life decision, such as opening a business or starting college. A credit score can provide them with a greater understanding of the terms they\u2019re likely to be offered when they apply for a loan or credit card.<\/p>\n<p>At other times, credit scores might be used by another party, such as a bank, to determine whether to extend a loan. They might also evaluate a credit score to determine interest rates and terms they will apply. In many cases, a credit score isn\u2019t included with your credit report\u2014thus, it\u2019s often invisible to third parties. Because of this, it is a good idea to focus on taking steps that can improve your overall credit portfolio and credit report. These data points are available for others to access, and they contribute directly to your credit score.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80fbc6f elementor-position-left margin-0 elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"80fbc6f\" data-element_type=\"widget\" id=\"in_a_nutshell\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"59\" height=\"59\" src=\"https:\/\/www.creditsesame.com\/wp-content\/uploads\/2022\/11\/image-54-1.svg\" class=\"attachment-full size-full wp-image-1431\" alt=\"bright yellow light bulb\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">In a nutshell<\/h3><p class=\"elementor-image-box-description\"><p>Having good credit doesn't necessarily take a lot of hard work. It's more about developing good habits. The more you know about what can help or hurt your credit score, the easier it is to develop the habits that lead to a good credit score.<\/p>\n<p class=\"margin-0\">\nDon't wait till you need credit to worry about your credit score. Building a good credit record takes time. Be aware of your credit score and work to maintain a good score at all times. You never know when you might need it or when someone is making decisions about you based on it.\n<\/p><\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-beb17a6 margin-0 elementor-widget elementor-widget-template\" data-id=\"beb17a6\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<section data-elementor-type=\"section\" data-elementor-id=\"203783\" class=\"elementor elementor-203783\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-399b2eb8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"399b2eb8\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-60b6245\" data-id=\"60b6245\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-1687a534 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1687a534\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-75b9ad50 image-container\" data-id=\"75b9ad50\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-590289f8 elementor-widget elementor-widget-image\" data-id=\"590289f8\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"100\" height=\"101\" src=\"https:\/\/www.creditsesame.com\/wp-content\/uploads\/2024\/04\/CS_3D-Icons_Dial-Static-High_A-1.png\" class=\"attachment-large size-large wp-image-203787\" alt=\"3D Icon Dial\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7df9abf4\" data-id=\"7df9abf4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5d4a9486 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"5d4a9486\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Do more with your FREE score\u2122<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-371c0ac elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"371c0ac\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Check your score right away and see the factors impacting your credit<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e37c312 elementor-align-center elementor-mobile-align-justify signup-btn elementor-widget__width-auto elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"e37c312\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"https:\/\/secured.creditsesame.com\/oneClickSignup\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Sign up<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55c1e6e3 elementor-widget__width-initial elementor-widget-mobile__width-inherit see-your-score-free-disc elementor-widget elementor-widget-text-editor\" data-id=\"55c1e6e3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>By clicking on the button above, you agree to the Credit Sesame <a class=\"disclaimer-link\" href=\"https:\/\/www.creditsesame.com\/legal\/terms-of-use\/\">Terms of Use<\/a> and <a class=\"disclaimer-link\" href=\"https:\/\/www.creditsesame.com\/legal\/privacy-policy\/\">Privacy Policy<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-7a158c8 elementor-hidden-widescreen elementor-hidden-desktop elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7a158c8\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-44c8350\" data-id=\"44c8350\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-baa4130 margin-0 elementor-widget elementor-widget-heading\" data-id=\"baa4130\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Share this<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ea04b0 elementor-widget__width-auto copyUrlButton elementor-widget elementor-widget-image\" data-id=\"7ea04b0\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"25\" height=\"24\" src=\"https:\/\/www.creditsesame.com\/wp-content\/uploads\/2024\/08\/link.svg\" class=\"attachment-large size-large wp-image-206321\" alt=\"Copy Link Icon\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-129911a elementor-share-buttons--view-icon elementor-share-buttons--skin-flat elementor-share-buttons--shape-circle elementor-share-buttons--color-custom elementor-widget__width-auto elementor-grid-0 elementor-widget elementor-widget-share-buttons\" data-id=\"129911a\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-grid\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\">\n\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"elementor-share-btn elementor-share-btn_facebook\"\n\t\t\t\t\t\t\trole=\"button\"\n\t\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\t\taria-label=\"Share on facebook\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-facebook\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\">\n\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"elementor-share-btn elementor-share-btn_twitter\"\n\t\t\t\t\t\t\trole=\"button\"\n\t\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\t\taria-label=\"Share on twitter\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-twitter\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\">\n\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"elementor-share-btn elementor-share-btn_linkedin\"\n\t\t\t\t\t\t\trole=\"button\"\n\t\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\t\taria-label=\"Share on linkedin\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-linkedin\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-8ca5dfb faq-container-end section-module section-module-seen elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8ca5dfb\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\" data-module-name=\"More related  articles\" data-module-position=\"4\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-266b156e\" data-id=\"266b156e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-31429675 module-heading margin-0 elementor-widget elementor-widget-heading\" data-id=\"31429675\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">More related articles<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a4fbde1 margin-0 elementor-widget elementor-widget-template\" data-id=\"7a4fbde1\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<section data-elementor-type=\"section\" data-elementor-id=\"203799\" class=\"elementor elementor-203799\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-2ab88156 elementor-section-content-middle check-credit-score elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2ab88156\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2b14c08d\" data-id=\"2b14c08d\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-2125e73f elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2125e73f\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-77ae39fc\" data-id=\"77ae39fc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1fb5cbbb elementor-widget-tablet__width-inherit elementor-widget elementor-widget-image\" data-id=\"1fb5cbbb\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"463\" height=\"401\" src=\"https:\/\/www.creditsesame.com\/wp-content\/uploads\/2024\/04\/creditsesame-app-check-your-credit-score.png\" class=\"attachment-large size-large wp-image-203802\" alt=\"Creditsesame App\" srcset=\"https:\/\/www.creditsesame.com\/wp-content\/uploads\/2024\/04\/creditsesame-app-check-your-credit-score.png 463w, https:\/\/www.creditsesame.com\/wp-content\/uploads\/2024\/04\/creditsesame-app-check-your-credit-score-300x260.png 300w\" sizes=\"(max-width: 463px) 100vw, 463px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-79f6b16b\" data-id=\"79f6b16b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-69fd7872 check-credit-score-heading elementor-widget elementor-widget-heading\" data-id=\"69fd7872\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Check your credit score for FREE<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ecb84f1 elementor-widget elementor-widget-text-editor\" data-id=\"4ecb84f1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Checking your score to see where you stand is FREE and does not impact your credit.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-546c54c8 elementor-mobile-align-justify signup-btn elementor-widget elementor-widget-button\" data-id=\"546c54c8\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"https:\/\/www.creditsesame.com\/free-credit-score\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-7036ba18 articles-learn-more elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7036ba18\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-50e2b5b7\" data-id=\"50e2b5b7\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5285f70e margin-0 elementor-widget elementor-widget-heading\" data-id=\"5285f70e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is a credit score<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a45112b elementor-button-success link-large margin-0 elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"a45112b\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/learn\/credit-score\/what-is-a-credit-score\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"7\" height=\"12\" viewBox=\"0 0 7 12\" fill=\"none\"><path d=\"M0.32668 0.585999C-0.0633203 0.975999 -0.0633203 1.606 0.32668 1.996L4.20668 5.876L0.32668 9.756C-0.0633203 10.146 -0.0633203 10.776 0.32668 11.166C0.71668 11.556 1.34668 11.556 1.73668 11.166L6.32668 6.576C6.71668 6.186 6.71668 5.556 6.32668 5.166L1.73668 0.575999C1.35668 0.195999 0.71668 0.195999 0.32668 0.585999Z\" fill=\"#0070F6\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-2bbffe45\" data-id=\"2bbffe45\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-531623fc margin-0 elementor-widget elementor-widget-heading\" data-id=\"531623fc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to establish credit<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0160289 elementor-button-success link-large margin-0 elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"0160289\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/learn\/credit-score\/how-to-establish-credit\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"7\" height=\"12\" viewBox=\"0 0 7 12\" fill=\"none\"><path d=\"M0.32668 0.585999C-0.0633203 0.975999 -0.0633203 1.606 0.32668 1.996L4.20668 5.876L0.32668 9.756C-0.0633203 10.146 -0.0633203 10.776 0.32668 11.166C0.71668 11.556 1.34668 11.556 1.73668 11.166L6.32668 6.576C6.71668 6.186 6.71668 5.556 6.32668 5.166L1.73668 0.575999C1.35668 0.195999 0.71668 0.195999 0.32668 0.585999Z\" fill=\"#0070F6\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-206991a8\" data-id=\"206991a8\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6cb5e4d4 margin-0 elementor-widget elementor-widget-heading\" data-id=\"6cb5e4d4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What's a good credit score?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d478852 elementor-button-success link-large margin-0 elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"d478852\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/learn\/credit-score\/what-is-a-good-credit-score\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"7\" height=\"12\" viewBox=\"0 0 7 12\" fill=\"none\"><path d=\"M0.32668 0.585999C-0.0633203 0.975999 -0.0633203 1.606 0.32668 1.996L4.20668 5.876L0.32668 9.756C-0.0633203 10.146 -0.0633203 10.776 0.32668 11.166C0.71668 11.556 1.34668 11.556 1.73668 11.166L6.32668 6.576C6.71668 6.186 6.71668 5.556 6.32668 5.166L1.73668 0.575999C1.35668 0.195999 0.71668 0.195999 0.32668 0.585999Z\" fill=\"#0070F6\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-5d0574f section-module section-module-seen elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5d0574f\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\" data-module-name=\"Sign Up to Get Free Credit Score\" data-module-heading=\"See your score instantly\" data-module-position=\"4\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7ed50b17\" data-id=\"7ed50b17\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3a0c0b84 elementor-widget elementor-widget-template\" data-id=\"3a0c0b84\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<section data-elementor-type=\"section\" data-elementor-id=\"203795\" class=\"elementor elementor-203795\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-71c93711 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"71c93711\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-59bddb14\" data-id=\"59bddb14\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3dc7fc5c see-your-score-title elementor-hidden-mobile elementor-widget elementor-widget-heading\" data-id=\"3dc7fc5c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\"><span>\nSee your score.\n<\/span>\n<br \/>\n<span class=\"blue\">\n      Reach your goals.\n<\/span><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7037cadf see-your-score-title elementor-hidden-widescreen elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-heading\" data-id=\"7037cadf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\"><span>\nSee your score.\n<\/span>\n<span class=\"blue\">\n      Reach your goals.\n<\/span><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18a2bfc5 elementor-widget__width-initial see-your-score-disc elementor-widget elementor-widget-text-editor\" data-id=\"18a2bfc5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Begin your financial journey with Credit Sesame today.<br \/>Get your FREE credit score in seconds.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77b62f41 elementor-mobile-align-justify signup-btn elementor-align-center elementor-widget elementor-widget-button\" data-id=\"77b62f41\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"https:\/\/secured.creditsesame.com\/oneClickSignup\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\"> Get your score<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-327b2c01 elementor-widget__width-initial elementor-widget-mobile__width-initial see-your-score-disc elementor-widget elementor-widget-text-editor\" data-id=\"327b2c01\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>By clicking on the button above, you agree to the Credit Sesame <a class=\"disclaimer-link\" href=\"https:\/\/www.creditsesame.com\/legal\/terms-of-use\/\">Terms of Use<\/a> and <a class=\"disclaimer-link\" href=\"https:\/\/www.creditsesame.com\/legal\/privacy-policy\/\">Privacy Policy<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section 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class=\"elementor-shortcode\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"author":274,"featured_media":206149,"template":"","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","footnotes":""},"learn-categories":[2083],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>A guide to understanding your credit score | Credit Sesame<\/title>\n<meta name=\"description\" content=\"Do you need help understanding your credit score? 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