ScoreCheckup – Your Credit Dashboard

Welcome back, Ruben!

Your Credit Score: 712

(This is the score lenders usually use — middle one from all 3 bureaus)

Want your full credit reports from all 3 bureaus & alerts if anything changes? Log in to IdentityIQ.

The 5 Things That Make Your Score ?The 3 big credit companies look at these 5 things about you to create your credit score (300–850). They use the information to decide if lenders will give you loans or cards — and at what interest rate. Lenders usually use the middle score from all 3 bureaus.

Thing	How You're Doing	Quick Fix
On-Time Payments?Did you pay your bills on time? This is the most important thing for your score.	Good (one late)	Wait 12 months with perfect payments → +30 points
How Much You Owe?How much of your total credit limit you're using (example: $4,500 owed on $10,000 limit = 45%). Keep it low.	High (using 45% of your total credit limit)	Pay down $500 → +28 points
Credit Age?Average age of all your credit accounts — older average is better for your score.	Short (average age of your accounts: 3 years)	Wait — average age climbs naturally over time
Recent Applications?New credit card or loan applications — too many can lower your score for a while.	Fair (2 recent applications)	Avoid applying for new credit cards or loans → +18 points in 12 months
Types of Credit?Mix of credit cards and loans — having both helps your score.	Cards only	Add a loan (like personal or car loan) → +10 points

Point gains are estimates — actual results vary.

Current Balances: $4,500 owed on $10,000 total limit (45% used)

Current Score:
712

Projected Score:
up to 740

1. Pay Down Debt
Pay off $0 → [slider $0–$4,500]

+0 points

2. How Much You Owe (% Used)
Updates when you pay down debt

Now using 45% of your limit

+0 points

3. Types of Credit
Current: Cards only → Toggle: Add a loan (like personal or car loan)
Add loan

+0 points

(We earn a commission if you apply — helps keep this tool running)

Point gains are estimates — actual results vary and take time.