Understanding Credit

Credit scores are important to obtaining good interest rates on private loans, purchasing a home, and can even impact your job prospects. Learn more about credit, how the score is calculated, what your score is, and (if needed) how to improve your score from the links below, provided to you by Money Matter$.

AnnualCreditReport.com - Request your free annual credit reports from the following agencies:
Equifax, Experian, and TransUnion. Annual Credit Report is the only service authorized for this purpose. As a security precaution, consumers should never provide their personal information to any other company or person in connection with requesting free annual credit reports under the FACT Act. There is a small fee for obtaining your credit score.

The Importance of Good Credit - This Access Group web site provides you with information on Getting and Establishing Credit, Credit Reporting, Credit Scoring, Understanding Credit Cards, and Repairing Bad Credit.

Credit Education Center - Myfico.com runs a credit education center where you can research how credit affects major purchases, watch videos to learn about credit scores, and post questions in the forums.

Understanding Credit Scoring - Learn about F.I.C.O scores, credit (non-F.I.C.O) scores, and identity theft with these free, downloadable booklets.

Credit Karma - Estimate your credit score and compare it with other site users.

Credit Score Estimator - F.I.C.O. and bankrate.com jointly developed this credit score estimator. Your credit score range is estimated based on answers to ten questions about credit use and payment behavior.

National Foundation for Credit Counseling - NFCC, through its Consumer Credit Counseling Service member agencies, provides credit counseling, debt reduction services, and education for financial wellness.


Seattle University School of Law provides these links as a courtesy to its students. These sites are not endorsed by Seattle University. Some of these sites require personal information. We urge you to use your discretion and be careful when disclosing this type of information. We encourage you to explore your options using various resources so that you can make well informed decisions about your current and future finances.