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Two of the most important factors affecting your score are your payment history and whether you've had any collections.
Disclaimers out of the way, the new iOS app offers the same type of features that users could access before using the online service, including monitoring, alerts, and a Credit Report Card, which tells you more about the various factors affecting your score.
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If you want to see how your debt is affecting your credit, Credit.com's free tools let you see two of your credit scores along with a breakdown of what factors are affecting your scores.
Credit.com offers two of your credit scores for free, along with an overview of how your credit file is affecting your scores and a plan to help you work your way toward better credit.
(However, you can use Credit.com's free credit score tools to see your credit scores and get a breakdown of how your credit behavior is affecting your scores. Also be sure to pull your full free credit reports at least once a year from AnnualCreditReport.com).
It won't affect your score.
Failing to pay your mortgage on time affects your score.
Some inquiries don't affect your score, however.
Factors that you control, such as diet, exercise, and smoking, can affect your score.
Then, do research to find out what a credit score is, how financial decisions affect your score, and why it matters.
James Jones, spokesman for Experian, one of the biggest credit reference agencies, says: "Your credit score is calculated by the lender when you apply for credit and if you have had difficulties with debt it will affect your score.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com