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With a full credit report you’ll have a complete, comprehensive look at your credit activity.You can get 3 credit reports once a year from the 3 major credit bureaus (1 report per year each) to find out your credit standing.

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And you can see your updated score anytime you log in, see the credit score range you’re currently in, and track your progress as your credit continues to improve and grow.

Your score is essentially a 3-digit summary of your credit health.

The amount of credit you owe also affects your credit score in a big way.

If your credit-to- debt ratio (how much you owe compared to your available credit) is low, your credit score will benefit, since it illustrates that you don’t rely too much on credit.

Lenders will want to know you credit report and score to determine your ability to hold a loan.