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What makes a good credit score?

Payment history

This is the biggest part of the credit score pie. You need a loan or credit line that's being reported to get started, then pay your bills on time to keep it looking good.

Amount owed

This factors in how much you owe vs how much available credit you have. The game plan is to keep your balances low.

Length of history

This looks at your track record of handling credit well. The longer your (positive) credit history, the better your score.

Inquiries - 10%

Every time you apply for a loan, a credit check is created and this might put a dent in your score. The trick is to space out your applications and only apply for loans if you need them.

Type of accounts - 10%

This is a mix of all your credit types. Usually it is better to have a combo of credit types as it shows how you juggle financial responsibilities.

Build your credit on auto-pilot

Build your credit history and monitor your credit report today for a better financial tomorrow. You may be able to unlock better rates & save more with a higher credit score.

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Eligibility for products is subject to individual approval. Some features require a monthly membership of $4.99, $7.99 or $11.99 depending on membership type and starts (a) after the 14-day free trial concludes for first-time customers and (b) immediately for customers returning for a second or subsequent membership. You can cancel your membership at any time.

Impact to credit scores may vary. Nyble is responsible for credit reporting and reports both on time and late payments, which may impact a credit bureau's determination of your credit score. Credit scores are independently determined by credit bureaus based on a number of factors, including the status of your non-Nyble accounts.

† Identity theft protection is provided by CyberScout, a TransUnion brand. To be eligible, you must (a) have an active membership and (b) have your account in good-standing. Your coverage starts immediately after your first membership payment.

‡ Credit monitoring is provided by FraudScout, a TransUnion brand. To be eligible, you must (a) have an active membership and (b) have your account in good-standing. To enroll, customers must register and follow registration requirements.

All insurance products included in the Services are subject to the limitations and conditions in the applicable policy or certificate of insurance in force at the time of incident giving rise to an insurance claim, and is subject to applicable legislation.

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