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Everything About Credit

Your credit score affects more than you think – from loan rates to apartment applications. I break down how credit really works, how to build it, and how to protect it.

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Credit Quick Guide

How Credit Scores Work

Your credit score is a three-digit number (typically 300–850) that tells lenders how risky it is to lend you money. The most common scoring model is FICO, and it weighs five key factors to calculate your score.

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→ Payment History (35%) — Paying on time is the single biggest factor.
→ Credit Utilization (30%) — Keep balances below 30% of your limit.
→ Length of History (15%) — Older accounts help your score.
→ Credit Mix (10%) — Having different types of credit helps.
→ New Inquiries (10%) — Applying for credit temporarily dips your score.

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