Several factors that go into calculating your credit score, including payment history, age and type of credit, credit utilization (how much of your credit you’re using), total balances, and recent behavior. To learn more, you can check out our learning center here.

Upstart is not a consumer reporting agency, credit repair organization, credit counselor, or financial or legal advisor as defined under federal or state law. Use of the Financial Fitness Services is not a replacement for personal, professional advice or assistance regarding your finances, credit history or fixing your credit rating.

To find out more details on how to improve your credit score, please reach out to a financial advisor or credit reporting agency. 

Experian 
Phone: 1-888-397-3742 
Email: www.experian.com

TransUnion 
Phone: 1-800-916-8800 
Email: www.transunion.com

Equifax 
Phone: 1-888-548-7878 
Email: www.equifax.com