pulls your credit information every 14 days from Experian, one of the three major credit bureaus.

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Based off your score and the information provided by Experian, we'll analyze your reports and let you know how you're doing with your payment history, your credit utilization, credit age, new credit (inquiries), and credit mix-the five factors that make up your credit score.

Once we do this, we'll provide you with a personalized action plan that can help you build your score and ultimately, maintain good credit.

It might be wise to check it more often if you have reason to suspect there is fraudulent activity on your account.

Because of this, a lot of things can negatively affect your credit score.

Some of them include: late payments, applying for new lines of credit, going bankrupt or carrying a balance from month to month.

On the other hand, plenty of things can positively affect your credit.Unfortunately, identity theft is a very real threat to everyone.Even if you don't keep an eye on your credit reports every other week, that's OK because monitoring your score can help you make sure your identity isn't being fraudulently used - a drastic change in your score can indicate that something may be wrong and help you keep track of how your sensitive information is being used.Frequently checking your scores helps you know where you're at when it comes to achieving your goals, and can help you qualify for better interest rates.You don't have to be wealthy to have good credit but having good credit can help you achieve your financial goals more easily. Your score is updated every 14 days, and you can always check it for free. We want to help the hardest working Americans (you) understand their credit and to take control of their financial well-being-without making them work harder.These scores are frequently used, so it's useful information to have, especially if you're trying to get a home loan or a new credit card.