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Free credit report summary

Track your open accounts, debts, and other important factors that are impacting your credit score.

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Get notified about changes to your credit file, so you can spot potential errors and protect your score.

Understanding your credit score

Poor (300-549)
Fair (550-639)
Good (640-719)
Excellent (720-850)
Credit Score
344
Poor credit (300-549)
A poor credit score is in the range 300 to 549, and is typically the result of negative marks on your credit file. If you have a poor score, you may find it more difficult to qualify for most credit products. Even if you are approved, you likely won’t receive the best terms or lowest interest rate. Luckily, there are secured credit cards and other tools designed to help you improve your credit score.
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Fair (550-639)
A fair credit score is in the range 550 to 639. It typically means you have some credit history with a few negative marks. If you have a fair score, you likely have access to some credit card and loan options, but you may not qualify for the best terms or lowest rates. By continuing to use credit responsibly, you can grow your score and unlock more offers.
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Good (640-719)
A poor credit score is in the range 300 to 549, and is typically the result of negative marks on your credit file. If you have a poor score, you may find it more difficult to qualify for most credit products. Even if you are approved, you likely won’t receive the best terms or lowest interest rate. Luckily, there are secured credit cards and other tools designed to help you improve your credit score.
  • LEARN MORE
Excellent (720-850)
A poor credit score is in the range 300 to 549, and is typically the result of negative marks on your credit file. If you have a poor score, you may find it more difficult to qualify for most credit products. Even if you are approved, you likely won’t receive the best terms or lowest interest rate. Luckily, there are secured credit cards and other tools designed to help you improve your credit score.
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What makes up your credit score?

Credit payment history determines about 35% of your score. The first thing any lender wants to know is whether you’ve paid past credit accounts on time. This is one of the most important factors for determining your credit score.
Your credit age plays a role in your final credit score. It consists of factors such as age of oldest credit account, newest credit account, average of all accounts, types of accounts (mortgage, auto loans, etc), and last time each account was used.
Your credit utilization is the ratio of the amount of your credit card balances compared to the credit limits you have available. For example, if you have $500 credit balance while your limit is $1000, then your credit utilization is 50%.
Accounts mix (or credit mix) involves different types of accounts that you have, such as revolving accounts, installment accounts, or open accounts. Having a mix of accounts does have an impact on your overall credit score.
When applying for credit, lenders will check your credit score (inquiry), which will impact your credit score depending on your account. A soft inquiry will not affect your score but a hard inquiry on the other hand will.
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What your credit score
can do for you

Better credit cards

Your credit score affects what card options you have, including the interest rate and credit limit you’re offered.

Better mortgage rates

A good credit score can help you get your first home, dream home, or to refinance your current mortgage with the best rate available.

Better auto loans

A higher credit score usually means a lower interest rate on auto loans, and smaller monthly payments.

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What affects your credit score?

Several things are taken into consideration when determining your credit score. Know which ones can help bring your score up or down.
  • What negatively affects your credit score
Credit payment history determines about 35% of your score. The first thing any lender wants to know is whether you’ve paid past credit accounts on time. This is one of the most important factors for determining your credit score.
Your credit age plays a role in your final credit score. It consists of factors such as age of oldest credit account, newest credit account, average of all accounts, types of accounts (mortgage, auto loans, etc), and last time each account was used.
Your credit utilization is the ratio of the amount of your credit card balances compared to the credit limits you have available. For example, if you have $500 credit balance while your limit is $1000, then your credit utilization is 50%.
Accounts mix (or credit mix) involves different types of accounts that you have, such as revolving accounts, installment accounts, or open accounts. Having a mix of accounts does have an impact on your overall credit score.
When applying for credit, lenders will check your credit score (inquiry), which will impact your credit score depending on your account. A soft inquiry will not affect your score but a hard inquiry on the other hand will.
  • What positively affects your credit score
Credit payment history determines about 35% of your score. The first thing any lender wants to know is whether you’ve paid past credit accounts on time. This is one of the most important factors for determining your credit score.
Your credit age plays a role in your final credit score. It consists of factors such as age of oldest credit account, newest credit account, average of all accounts, types of accounts (mortgage, auto loans, etc), and last time each account was used.
Your credit utilization is the ratio of the amount of your credit card balances compared to the credit limits you have available. For example, if you have $500 credit balance while your limit is $1000, then your credit utilization is 50%.
Accounts mix (or credit mix) involves different types of accounts that you have, such as revolving accounts, installment accounts, or open accounts. Having a mix of accounts does have an impact on your overall credit score.
When applying for credit, lenders will check your credit score (inquiry), which will impact your credit score depending on your account. A soft inquiry will not affect your score but a hard inquiry on the other hand will.

How does Middle Credit Score get your score?

There are three main credit Bureaus: Equifax, Experian, and TransUnion. Credit Sesame refreshes your TransUnion credit score daily for free. Get your credit score and credit report from all three Bureaus when you upgrade to Premium.
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Got questions?

We have answers.

Credit payment history determines about 35% of your score. The first thing any lender wants to know is whether you’ve paid past credit accounts on time. This is one of the most important factors for determining your credit score.
Your credit age plays a role in your final credit score. It consists of factors such as age of oldest credit account, newest credit account, average of all accounts, types of accounts (mortgage, auto loans, etc), and last time each account was used.
Your credit utilization is the ratio of the amount of your credit card balances compared to the credit limits you have available. For example, if you have $500 credit balance while your limit is $1000, then your credit utilization is 50%.
Accounts mix (or credit mix) involves different types of accounts that you have, such as revolving accounts, installment accounts, or open accounts. Having a mix of accounts does have an impact on your overall credit score.
When applying for credit, lenders will check your credit score (inquiry), which will impact your credit score depending on your account. A soft inquiry will not affect your score but a hard inquiry on the other hand will.

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