Unlock more of what
you want with your
free credit score
Your credit score plays a big role in how lenders determine your interest rates
and how much you can borrow. Maintaining a good credit score can be the
key to getting the things
you want in life,
from a credit card or a car loan to
Why use Turbo for
Turbo provides you with an easy-to-read breakdown of your
credit score and updates it once a month, making it simple to
see where you stand today. And with Turbo you can view your
credit report at any time, without it impacting
your credit score.
IMPROVING YOUR SCORE
Small steps. Big improvements.
Getting a copy of your credit report is the first step toward improving your credit score.
Here’s a few additional tips that could give your score an additional boost.
Pay your bills on time,
Past payment performance significantly affects your credit score. By paying all of your bills on time every month you
can positively increase how lenders view your future
Keep credit cards open –
even the unused ones
Consider keeping credit cards open – even if you aren’t using them. So long as they don’t have annual fees, keeping those cards open could actually keep your credit utilization ratio lower, and improve your
Your credit utilization ratio is calculated by adding all of your credit card balances and dividing that number by your total credit limit. Typically, lenders like to see ratios below 30%. By paying off debt and keeping
your credit card balances low
you can positively impact your credit
Only apply for
When you open new credit cards you trigger hard credit inquiries on your
credit report. Opening new credit card accounts just to have a better credit mix won’t likely improve your score. So only use the credit that you currently have, whenever possible.
Check for incorrect information
on your credit report
Credit reports aren’t necessarily perfect, which is why it’s important to make sure there isn’t any inaccurate information on your credit report. If you see something on your credit report that doesn’t look right, you’ll want to dispute it with your credit report provider (e.g. TransUnion) as soon as possible
If you have a good credit history with your lender, ask your credit card issuer if you can raise your credit limits. This will result in a soft credit check, which won’t impact your credit score. A credit card limit increase may help your credit utilization rate, which can help improve your score.
What's a good credit score?
It depends on which credit score model is being used, as well as each lender’s credit criteria. In general, here’s a breakdown of how credit scores are typically viewed following a credit check:
- 720 and higher: excellent credit
- 690-720: good credit
- 630-689: fair credit
- 629 or lower: bad credit
What are the three major credit reporting agencies?
The top three credit reporting agencies are:
Which credit score does Turbo use?
The score provided by Turbo is a VantageScore based on TransUnion data.
What’s the difference between Vantage and FICO?
Vantage and FICO are two different credit scoring models used by credit reporting agencies. Both rate your creditworthiness based on the same basic criteria, such as:
- Payment history
- Credit utilization
- Age of credit history
- Credit applications
- Types of credit
While there are some differences between the two, typically if you have a good VantageScore, you are more than likely to also have a good FICO score.
Is my credit score truly free?
Your credit report from Turbo is 100% totally free. There’s no credit card info required, no commitment. We won’t try to upsell you, ever.
Fast, free and easy
Signing up for your free credit report from Turbo is simple. Here's how it works:
Once you verify your identity, your free credit report will be pulled from the credit bureau TransUnion.
We’ll show you your free credit report and give you a concise breakdown of your report, highlighting important factors that may affect your score.
Turbo is completely, 100% free to use. We won't
upsell you, or ask for any credit card info. We won't
sell any of your info, either.
24/7 Credit monitoring
Get alerted as soon as we notice new or suspicious activity on
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