Free credit score
Know what’s up with your credit.
Feeling lost when it comes to your credit score? Spruce breaks it down for you.
Start your credit journey.
Visit the credit tab in the app to complete the simple activation process. After that, you can view your FICO® score any time. You’ll also be able to tap into monthly updates and additional information about the factors that could be impacting your score.
See your score — and more.
Did you know there are five primary factors that combine to make up your credit score? Spruce helps you learn more about each of the five areas so you can make wise, informed financial decisions.
Making up 35% of your score, this is the largest of the credit score factors. A history of making credit card and loan payments on time lets creditors know it’s safe to lend to you. Missed or late payments can lower your score.
Find your credit utilization ratio by dividing how much you owe on your credit cards by your total available credit. How much credit you’re currently using has a big impact on your score. The lower the ratio, the better.
Your credit history factors in the age of your credit accounts. Potential lenders often consider how long you’ve held your existing credit accounts to help determine if you are reliable and consistent.
Too many new credit accounts and hard credit checks could flag you as a risky borrower. To maintain a healthy score, avoid opening multiple credit accounts in a short period of time.
The types of credit you have are known as your credit mix. They can include installment accounts, such as car loans, and revolving accounts, such as credit cards.
Why is your credit score so important?
Whether you’re renting an apartment, applying for a car loan, or opening a new credit card, your credit score determines what financial options are available to you. By staying informed, you always know where you stand. And that’s a good habit for financial health.
Spruce fintech platform is built by H&R Block, which is not a bank. Spruce℠ Spending and Savings Accounts established at, and debit card issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
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- Credit score is FICO® Score 8 based on Experian data. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. FICO® is a trademark of Fair Isaac Corporation. This is a separate service from your Spruce bank accounts, provided by Pathward, N.A.