Credit Scores Are Holding Back Millions of Americans — And It's Not Their Fault

Your credit report could be holding you back

It's one of the most frustrating feelings there is. You pay your bills. You try to stay on top of your finances. You do everything you're supposed to do.

And yet your credit score barely moves. Most people assume there's nothing they can do about it.

But here's what many Americans never realize: banks aren't judging you personally. They're looking at a credit report — a file containing your accounts, balances, payment history, and other information used to evaluate your creditworthiness.

The problem? Information on those reports isn't always perfect:

• •A balance that was paid off years ago but still appears outstanding
• •A late payment that doesn't belong there
• •An account you don't even recognize

Issues like these can quietly affect your credit profile for months or even years without you ever knowing they're there. And because most people never review their reports closely, these problems often go unnoticed.

The good news: you have the right to review the information being reported about you — and to take action if something doesn't look right.

Just select your current credit score range below to get started:

What's your current credit score?