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Credit scores are used by lenders to estimate if you'll pay off your loans and whether you'll pay on time. Because it's one of the most influential factors in deciding whether to grant you credit, knowing your score can be indispensable when you apply for a loan.

Keep in Mind

In the end, the lender still has the final say about whether or not to give you credit and how much they will charge for it. The lender may take into consideration any special reasons for your past credit problems. In addition, the lender will look at more than just your credit score -- your equity investment in a home, job history, income, savings, and the type of mortgage loan you want -- before making a final decision.

Your Equifax Credit Score™ is an excellent guide to help you better understand your financial health. To learn how to improve your credit score, see Manage Your Credit Score.