{"id":2351,"date":"2022-01-07T15:00:35","date_gmt":"2022-01-07T22:00:35","guid":{"rendered":"https:\/\/iccu.lndo.site\/blog\/uncategorized\/blog-financial-education-credit-score-basics\/"},"modified":"2025-03-18T15:38:15","modified_gmt":"2025-03-18T21:38:15","slug":"credit-score-basics","status":"publish","type":"post","link":"https:\/\/www.iccu.com\/blog\/financial-education\/credit-score-basics\/","title":{"rendered":"Credit Score Basics"},"content":{"rendered":"

Credit\u00a0sounds like a mysterious, looming entity that can affect our lives in big ways. We rely on\u00a0credit\u00a0to buy a house, handle emergencies, and for long-term financial security. It can be a great financial tool! Unfortunately, there is a lot of misinformation out there about your\u00a0credit\u00a0score and what you can do to improve it. The biggest thing you need to know is that the subject of\u00a0credit\u00a0is not black and white. A certain\u00a0credit\u00a0score will not automatically qualify you for whatever kind of loan you need, and it takes careful thought and maintenance to stay in a situation where you have positive\u00a0credit. You never really stop working on your\u00a0credit, which can be great because you are never too young or too old to build your\u00a0credit!<\/p>\n

Payment History (35%)<\/strong><\/h2>\n

The biggest factor in your\u00a0credit\u00a0score is payment history. This weighs in at a hefty thirty-five percent of your total score. To keep this positive, it is extremely important to make payments on time; any payments that are past due more than thirty days will report on your\u00a0credit. Your payment history, the number of accounts that are paid as agreed, as well as the number of past due items and the length of time they have been past due will all appear on your\u00a0credit\u00a0report. The best way to increase your score in this area is simply to pay on time! More weight is placed on recent payment activity so even if your payment history hasn\u2019t been great in the past, you can make a significant impression by setting a new precedent going forward.<\/p>\n

Amounts Owed (30%)<\/strong><\/h2>\n

The total amount owed makes up a large part of your\u00a0credit\u00a0score as well. This includes not only the number of accounts that hold balances, but the proportion of\u00a0credit\u00a0lines used, as well as the balance of any installment loans. To increase your score, work on paying down revolving balances and avoid opening new accounts until you have paid down a significant portion. For\u00a0credit\u00a0cards, a balance of fifty percent or less of the\u00a0credit\u00a0limit is ideal. Open new accounts or lines of\u00a0credit\u00a0as needed rather than taking advantage of specialty offers when they arise.<\/p>\n

Length of Credit History (15%)<\/strong><\/h2>\n

The length of\u00a0credit\u00a0history accounts for a smaller portion of your\u00a0credit\u00a0score, but is still significant. This is simply the amount of time since accounts have been opened and the time since there has been any account activity. You may have heard the advice to close old\u00a0credit\u00a0cards and lines of\u00a0credit\u00a0that you don\u2019t use anymore, but if there are no annual fees, it\u2019s better to leave them open! Having nothing owed but all that\u00a0credit\u00a0available to you is good for your\u00a0credit\u00a0score. Closing it could immediately dock your\u00a0credit\u00a0by several points. If you don\u2019t want the temptation, you can simply cut up or shred the cards for these accounts so you aren\u2019t tempted to use them!<\/p>\n

Types of Credit Used (10%)<\/strong><\/h2>\n

Though not common knowledge, types and diversity of\u00a0credit\u00a0used also factor into your\u00a0credit\u00a0score. For instance, if your\u00a0credit\u00a0report is made up of a variety of\u00a0credit\u00a0cards, you should think about adding an installment loan to vary\u00a0credit\u00a0type a little. This tells a lender that you are reliable in paying back an assortment of different kinds of debt. Likewise, if you have only had installment loans in the past, getting a\u00a0credit\u00a0card can increase your score over time as your demonstrate your ability to be responsible with a revolving line of\u00a0credit.<\/p>\n

New Credit (10%) <\/strong><\/h2>\n

If you have a number of recently opened accounts, or are shopping around for the best rate and having your\u00a0credit\u00a0pulled again and again, it can negatively affect your\u00a0credit. Inquiring about your credit too often can also affect your score as well, and you generally want to avoid pulling\u00a0credit\u00a0more often than every six months to one year.<\/p>\n

It\u2019s great to know that credit isn\u2019t a mysterious, immovable number, but rather like a living organism that responds to care and attention. The first step to improving your credit score is to know your credit score. Luckily, ICCU has you covered with our free My Credit<\/a> feature! You can check your credit score each time you log into eBranch<\/a> without impacting your score! You can also view your full credit report, monitor for unusual activity, get alerts for changes to your credit, and more.<\/p>\n

As always, our\u00a0loan officers<\/a> at ICCU are happy to help you create a plan to build your credit and answer any questions you have. We are proud to say that with credit\u00a0builder products<\/a>,\u00a0competitive rates<\/a>, and a\u00a0rewards program<\/a>, we have something suitable to fit every need.<\/p>\n","protected":false},"excerpt":{"rendered":"

Credit sounds like a mysterious, looming entity that can affect our lives in big ways. We rely on credit to buy a house, handle emergencies, and for long-term financial security. It can be a great financial tool, but unfortunately, there is a lot of misinformation out there about your credit score and what you can do to improve it. Check out our tips on maintaining and improving your credit score!<\/p>\n","protected":false},"author":5,"featured_media":2352,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"categories":[89],"tags":[91,92,93],"class_list":["post-2351","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-education","tag-credit-score","tag-financial-education","tag-personal-finance"],"acf":[],"yoast_head":"\nCredit Score Basics - ICCU<\/title>\n<meta name=\"description\" content=\"You never really stop working on your\u00a0credit, which can be great because you are never too young or too old to build your\u00a0credit!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.iccu.com\/blog\/financial-education\/credit-score-basics\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit Score Basics\" \/>\n<meta property=\"og:description\" content=\"You never really stop working on your\u00a0credit, which can be great because you are never too young or too old to build your\u00a0credit!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.iccu.com\/blog\/financial-education\/credit-score-basics\/\" \/>\n<meta property=\"og:site_name\" content=\"ICCU\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/IdahoCentralCreditUnion\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/IdahoCentralCreditUnion\" \/>\n<meta property=\"article:published_time\" content=\"2022-01-07T22:00:35+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-18T21:38:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2022\/11\/credit-score-basics.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"530\" \/>\n\t<meta property=\"og:image:height\" content=\"380\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"ICCU\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Idaho_Central\" \/>\n<meta name=\"twitter:site\" content=\"@Idaho_Central\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"ICCU\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.iccu.com\/blog\/financial-education\/credit-score-basics\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.iccu.com\/blog\/financial-education\/credit-score-basics\/\"},\"author\":{\"name\":\"ICCU\",\"@id\":\"https:\/\/www.iccu.com\/#\/schema\/person\/dd9140c89706c5ddd694ffbe26867e8e\"},\"headline\":\"Credit Score Basics\",\"datePublished\":\"2022-01-07T22:00:35+00:00\",\"dateModified\":\"2025-03-18T21:38:15+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.iccu.com\/blog\/financial-education\/credit-score-basics\/\"},\"wordCount\":812,\"publisher\":{\"@id\":\"https:\/\/www.iccu.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.iccu.com\/blog\/financial-education\/credit-score-basics\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.iccu.com\/wp-content\/uploads\/2022\/11\/credit-score-basics.jpg\",\"keywords\":[\"Credit Score\",\"Financial Education\",\"Personal Finance\"],\"articleSection\":[\"Financial Education\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.iccu.com\/blog\/financial-education\/credit-score-basics\/\",\"url\":\"https:\/\/www.iccu.com\/blog\/financial-education\/credit-score-basics\/\",\"name\":\"Credit Score Basics - 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