What’s a good credit score? Let’s unpack it.

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Your payment history is a record showing how consistently you’ve paid your credit accounts over time, including on-time payments and late payments.

Your credit mix reflects the different types of credit you have on your reports, from credit cards to student loans. We don’t recommend applying for a loan just to get another type of credit account on your reports, but it’s good to know that this can factor into your scores.

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Credit scores needed for your financial goals

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Credit score FAQs

You can get your VantageScore 3.0 credit scores from Equifax and TransUnion for free on Credit Karma. Checking your own scores won’t hurt your credit.

Since your credit history changes over time, regular monitoring is important for staying on top of your credit health. This can help you spot errors and understand the factors that affect your scores. With Credit Karma’s free credit monitoring, you’ll receive alerts and tips to help improve your credit.