: The average age of all your accounts; older accounts demonstrate long-term stability.

Learn about your credit report and how to get a copy | USAGov

: Frequent "hard inquiries" or opening multiple new accounts in a short period can temporarily lower your score. Typical Credit Score Ranges

: Websites such as Credit Karma , Credit Sesame , or Experian offer educational scores and ongoing tracking.

: The official site for requesting your free credit report from the three major bureaus (Equifax, Experian, and TransUnion) every 12 months.

: Having a variety of account types, such as credit cards and installment loans, can positively impact your score.