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You can check your credit score through:
Free credit-monitoring apps (such as Credit Karma, Experian, or your bank’s credit tool).
Your credit card company, many of which provide monthly score updates.
Major credit bureaus—Experian, Equifax, and TransUnion—though these may show paid or limited versions of your score.
Remember: checking your own score does not hurt your credit.
Several factors influence your credit score, including:
Payment history (35%) — on-time vs. late payments
Credit utilization (30%) — how much of your available credit you’re using
Length of credit history (15%) — how long your accounts have been open
Credit mix (10%) — variety of accounts (credit cards, loans, etc.)
New credit/inquiries (10%) — how often you apply for new credit
Each factor plays a role in shaping your overall score.
You can improve your score by:
Paying all bills on time
Keeping credit card balances low (under 30% of your limit, ideally 10%)
Disputing inaccurate items on your credit report
Avoiding too many new credit applications
Adding positive payment history (secured cards, credit builder loans, or authorized user tradelines)
Keeping older accounts open to maintain long credit history
Consistency is key—small habits compound.
