Is FICO the most accurate credit score?

While theres no exact answer to which credit score matters most, lenders have a clear favorite: FICO® Scores are used in over 90% of lending decisions. While that can help you narrow down which credit score to check, youll still have to consider the reason why youre checking your credit score.

Where can I accurately check my credit score?

You can request a free copy of your credit report from each of three major credit reporting agencies – Equifax®, Experian®, and TransUnion® – once each year at AnnualCreditReport.com or call toll-free 1-877-322-8228.

How many points does your credit score go up when you pay off a debt?

Considering your mix of credit makes up 10% of your FICO credit score, paying off the only line of installment credit can cost you some points. You paid off your lowest balance account: The outstanding balances across all of your open credit accounts, or your amounts owed, makes up 30% of your credit score.