Equifax
648
Fair
Credit info
What is a credit score?
A number generated by a mathematical formula that is meant to predict credit worthiness. The higher it is, the more likely you are to get a loan — and the less that loan costs you.
- Scores range300 to 850
- Files held on you3 — Equifax, Experian, TransUnion
- Biggest single factorPayment history, 35%
How credit scores work
Half the scale is called “poor”
300 to 850, drawn at its true proportions. The bottom band is 280 of the 551 points on the scale, which is why moving out of it changes the rate you are offered — and on an average-priced home, twenty points is worth tens of thousands of dollars in interest.
- Poor300–579
- Fair580–669
- Good670–739
- Very good740–799
- Excellent800–850
This is the published FICO range. It describes how scoring works — it is not a claim about your score or about what we can do for it.
The whole range
Credit info
What affects your credit score
Five things, weighted. Two of them make up 65% of the whole number, which is why they are where we start.
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Payment history35%
On-time payments versus delinquencies, with more weight on the last 24 months.
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Capacity and amount owed30%
The percentage of your credit limits you are actually using.
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Length of credit15%
How long you have had your accounts.
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New credit10%
Number of inquiries and new accounts opened in the last 12 to 18 months.
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Types of credit used10%
Installment loans versus revolving credit.
What you can do yourself
Before we do anything at all
- Pay every bill on time. Utilities, mortgage, auto, and every revolving line.
- Stay under 30% of each limit. Banks want to see cards that are not maxed out.
- Read all three reports once a year. They disagree, and the gap is where errors hide.
- Do use your cards. One card for the utilities, paid in full by the due date.
Your three credit reports
You do not have one credit report. You have three.
They do not agree, and lenders do not all pull the same one. We read all three.
Experian
690
Good
TransUnion
708
Good
60 points is the average gap between your own highest and lowest score. That gap is where the errors live.
Example figures showing a typical spread. This is not anyone’s real report.
Get started
Get your free consultation and credit analysis
No hourly fee, no hidden fees, no long binding contract. We will read your report with you, in English or in Spanish, and tell you what we would do about it.
Or talk to a person+1 (813) 560-5452+1 (813) 438-0250nextc2026@gmail.comWhat happens next1 We read all three of your reports with you.2 We tell you what we would dispute, and why.3 You decide whether to go ahead. No obligation.We are not a law firm. We cannot guarantee any outcome or score increase, and accurate, current and verifiable information cannot be removed. You may dispute items yourself free of charge, and you may cancel within 3 business days.