©️ My Credit

Overview

Access comprehensive credit reports from all three major credit bureaus. Monitor your credit scores, analyze credit utilization, and identify opportunities for improvement.

Features

Credit Score Overview

View scores from all three bureaus:

Equifax - Current score and rating

Experian - Current score and rating

TransUnion - Current score and rating

Score Ranges:

300-579: Poor (Red)

580-669: Fair (Yellow)

670-739: Good (Light Green)

740-799: Very Good (Blue)

800-850: Excellent (Dark Green)

Score Changes:

See point changes from previous report

Up/down indicators

Last updated timestamp

Credit Utilization

Monitor how much of your available credit you're using:

Utilization Metrics:

Total credit limits

Total current balances

Overall utilization percentage

Per-account utilization

Visual progress indicators

Color-Coded Levels:

Green (0-30%): Excellent

Yellow (31-50%): Good

Orange (51-70%): Fair

Red (71-100%): Poor

Tradeline Details

View all your credit accounts:

Account Information:

Creditor name

Account type (revolving, installment, mortgage)

Account number (masked)

Account status (open, closed, paid, etc.)

Balances and Limits:

Current balance

Credit limit (revolving accounts)

Highest balance ever

Monthly payment amount

Payment History:

30-day late payments count

60-day late payments count

90+ day late payments count

Last payment date

Payment status

Account Timeline:

Date opened

Account age

Date closed (if applicable)

Last reported date

Negative Items

Identify issues affecting your credit:

Types of Negative Marks:

Collections accounts

Charge-offs

Bankruptcies

Foreclosures

Repossessions

Tax liens

Civil judgments

Late payment history

For Each Issue:

Account name

Type of negative mark

Date reported

Current status

Impact level (high, medium, low)

Age of issue

Option to dispute

Positive Factors

See what's helping your credit:

Positive Elements:

On-time payment history

Low credit utilization

Long credit history

Diverse credit mix

Older accounts in good standing

Recent Inquiries

Track who's checking your credit:

Hard Inquiries (Impact Score):

Inquiry date

Creditor name

Type of application

When inquiry expires (2 years)

Soft Inquiries (No Impact):

Self-checks

Pre-approval offers

Employment checks

Account reviews

Credit Report Summary

High-level overview:

Total accounts

Open accounts

Closed accounts

Total debt

Total available credit

Debt-to-credit ratio

Credit Improvement

Get personalized recommendations:

Pay down high-utilization accounts

Address late payments

Dispute inaccurate information

Avoid new accounts temporarily

Keep old accounts open

Set up automatic payments

Understanding Your Credit

What Affects Your Score:

Payment history (35%)

Credit utilization (30%)

Credit history length (15%)

Credit mix (10%)

New credit inquiries (10%)

Report Monitoring

View current and historical reports

Track score changes over time

Select different report dates

Monitor improvements

Access Requirements

Must be logged in

Bank account connection recommended

Credit report must be on file

Best Practices

Check your credit regularly

Dispute any inaccurate information

Keep utilization below 30%

Pay all bills on time

Maintain diverse credit mix

Limit hard inquiries

Keep old accounts open

Review for identity theft

Dispute Inaccuracies

If you find errors:

Document the inaccuracy

Gather supporting evidence

Navigate to Letter Stream

Create dispute letter

Send to appropriate bureau

Track dispute progress

Overview#

Features#

Credit Score Overview#

Credit Utilization#

Tradeline Details#

Negative Items#

Positive Factors#

Recent Inquiries#

Credit Report Summary#

Credit Improvement#

Understanding Your Credit#

Report Monitoring#

Access Requirements#

Best Practices#

Dispute Inaccuracies#