What is a credit history?

Written by: Erin Dunn Your credit history is a record of your borrowing and repayment activity. For instance, it may include information about how many credit cards or loans you have and whether you’ve paid your bills on time or not. You can find details about your credit history in your credit reports.

What is a credit score & how does it work?

Credit scores are a numerical expression of your creditworthiness and how you've managed credit and debt. Understanding how they work can help you improve your credit history, qualify for lower interest rates on loans and more. What Is a Credit Score? Why Are There So Many Different Credit Scores? What Factors Affect Your Credit Score?

What is the latest version of a credit score?

General updates: Over time, credit scoring companies like FICO and VantageScore have updated their scoring models to account for changes in consumer behavior, technology and industry practices. The latest version of the VantageScore, for instance, is VantageScore 4.0, while the latest version of the FICO ® Score is the FICO ® Score 10.