無料のクレジットスコア監視

SoFi leverages the TransUnion VantageScore 3.0 model which includes several key components:

• Payment History - comprised of whether you regularly pay your bills on time.
• Credit Age and Type - average age of your credit accounts and mix of various types such as revolving debt and installment debt. An example of revolving debt is a credit card and an example of installment debt is a student loan.
• Credit Utilization - the percentage of your credit limit you currently have outstanding.
• Balances - balances on your credit accounts including current balances as well as delinquent accounts.
• Inquiries - recent inquiries or applications for new credit.
• Available Credit - amount of available credit that is unused.

Checking your own credit report is considered a soft inquiry, which does not impact your credit score.

Your credit score is used by lenders, among others, as they review your applications for credit and determine your creditworthiness which might influence if they are willing to extend credit and at what terms. It might also be used by landlords, utility providers, and prospective employers.

Monitoring your credit score regularly is a key part of maintaining your financial health. Routine credit score checks can help you stay informed about your credit standing, identify areas for improvement, and detect potential unauthorized activity. At a minimum, aim to check your credit score once a year. However, ongoing credit score monitoring is even more beneficial, particularly if you’re preparing for major financial decisions, like buying a home.

Credit score ranges vary slightly depending on the scoring model used by each credit bureau. Generally, a score between 670 and 739 is considered "good," 740 to 799 is classified as "very good," and a score of 800 or higher is considered "excellent."