CreditWise Free Credit Score Credit Report Monitoring

Credit is important because it can play a big role in your overall financial health. Lenders, creditors, employers, landlords and utility or insurance providers all may look at your credit report to decide whether to grant you credit or services. A credit report that demonstrates positive credit history helps identify you as a responsible borrower who knows how to manage your finances. Having good credit puts you in a strong position to qualify for loans and credit with competitive terms. A FICO® Score will develop after you have at least one account open and recorded on your credit file for 6 months. A VantageScore® could generate a score more quickly, as long as your credit report shows at least one account.

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