Your credit score is a single number that determines how much you pay for your house, your car, and even your cell phone plan. It's time to master it.

What's Inside the Number?

Most credit scores (like FICO) are calculated based on five main categories:

Payment History

The most important factor. Do you pay on time?

35%

Credit Utilization

How much of your available credit are you using?

30%

Length of Credit History

How long have your accounts been open?

15%

Credit Mix

Do you have different types of loans?

10%

New Credit

How many recent applications have you made?

10%

How to Boost Your Score

1. **Automate Payments**: Never miss a due date. Even one late payment can tank your score.

2. **Lower Your Utilization**: Try to keep your credit card balances below 30% of your limit. If your limit is $10k, don't carry more than $3k.

3. **Don't Close Old Accounts**: Even if you don't use them, they contribute to your "length of history."

Dealing with debt?

If credit card debt is hurting your utilization, use our calculator to plan your payoff strategy.

Debt Payoff Calculator

Track your progress

Jibify lets you track your loan balances privately. No need to link your bank account to see your progress.

Try Jibify App

Credit Scores: The Invisible Game You Must Win