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What can impact my Credit Score?

We want you to check your Credit Scorecard without worry, which is why we offer it for free – even if you're not a Discover customer. Nearly all lenders in the US, including Discover, use a FICO ® Score among other information when they make their credit decisions, and they have for more than 20 years. Visit annualcreditreport.com to get your free credit report. Through April 2021, everyone in the U.S. Can get a free credit report each week from all three national credit reporting agencies (Equifax, Experian, and TransUnion) at AnnualCreditReport.com. A free credit score is great tool for understanding, tracking, and building your credit. If you want even more insight into your credit, check out ExtraCredit. For $24.99 a month, you can see 28 of your FICO scores from all three major credit bureaus.

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Your credit score can be affected by a number of factors and while the exact criteria can vary by scoring model, the most influential factor is typically your payment history. Even one missed payment can have a negative effect on your score.

Your credit utilization ratio also plays a big factor in determining your score. It’s solely based on your revolving credit and measured by how much of your available credit you’re using.

Credit scoring models look at the number, types and age of accounts you have. Maintaining a good mix of credit and positive history shows that you are able to handle new credit responsibly.

Although hard inquiries don’t make a huge impact on your score, they can temporarily lower it. Hard inquiries stay on a credit report for 2 years, but in general, the impact to your FICO Score will lessen after 1 year.

Lastly, negative information on your credit such as late or missed payments, foreclosures, collection accounts, and charge-offs can negatively impact your credit.

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