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NerdWallet's free credit score simulator can help estimate the impact of financial decisions on credit. Other tools can help you see where your money is going.

If you have no credit history, you have no credit score. That's not the same as having a zero credit score. Here’s how to become creditworthy.

FICO Score XD provides a score for borrowers who don't have traditional credit. FICO Score XD2 is the latest version.

If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. NerdUp by NerdWallet credit card: NerdWallet is not a bank.

Credit mix refers to the types of accounts you have, such as credit cards, a mortgage or other loans. It's not a big factor, but diversity helps your score.

Paying off a credit card is very likely to help your score, especially if you were using more than 30% of your credit limit. Many, or all, of the products featured on this page are from our ...

To test how various credit card actions affect credit scores in real life, NerdWallet developed six specific “personas,” each representing an individual in a particular credit situation.

A FICO score is a brand of credit score, and its calculations are made using credit report data. Learn how lenders use it, how it's calculated and what's a good FICO score.

A bad credit score generally falls below 630 on the common scale of 300-850. Scores of 630 to 689 are considered fair credit in NerdWallet’s guidelines.

No single number defines a bad credit score for a car loan. In general though, if your credit score is below the mid-600s, you can expect higher interest rates and more difficulty getting a loan.

Keep in mind, though, that opening a new card account can have both positive and negative score effects. For one thing, a new credit application will usually trigger a hard credit check, causing ...