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Of course. Your current credit score is six-fifty, which is considered "fair." Scores range from three hundred to eight-fifty. Above seven hundred is considered "good," and above seven-forty is "excellent."

The biggest factor is payment history — that's thirty-five percent of your score. Then credit utilization — how much of your available credit you're using — that's thirty percent. Length of credit history, types of credit, and new inquiries make up the rest.

That's likely a big factor. Experts recommend keeping your utilization below thirty percent. If your credit limit is one thousand dollars, try to keep your balance under three hundred. Paying it down will boost your score within a month or two.

You can check it for free through our app monthly — that's a soft inquiry and won't affect your score. You're also entitled to a free credit report from each of the three bureaus once a year through AnnualCreditReport.com.