S oaring interest rates mean that you're likely paying more in loans and credit card interest. But you can lower those fees, ...

2. Know How Your Credit Score Is Calculated. Once you have your score, know what that number means so you can take the steps to raise it. "Your payment history accounts for about 35 percent of ...

CreditWise is the free credit score monitoring service offered by Capital One. You can view your VantageScore 3.0 with data from TransUnion even if you don’t have a Capital One credit card.

What Credit Score Studies Have Found . The average credit score across all Americans was 717 as of October 2024, according to FICO.This is a one-point drop from the previous score reported in ...

Hero Images / Getty Images 3. Improve Your Debt-to-Income Ratio. The next step to improve your credit score is by improving your debt-to-income ratio, otherwise known as your DTI.