Culture

Travel

Milestones

Overview

Fraud

Financial Pathways

Take a new approach to managing credit, savings and making smarter financial choices with expert advice from Life and Money by Citi.

Money

Well-being

Credit Cards

Banking

Lending

Investing

Citigold®

Citi Financial Pathways

Around the world, Citi has strategic locations where our employees go to work each day to support our core businesses and drive solutions for our clients. 

Products and Services

NavBar

Home

FooterNav

Most people know what credit is — at its core, it's borrowed money — but understanding and managing your credit report can be tricky. It helps to break down the concept. 

How Does Your Credit Score Work? Here's a Quick Guide.

Is a Credit Line Increase a Good Idea? 

How to Get – and Keep – a Good Credit Score

What I Wish I'd Known Before Getting my First Credit Card

Try these tips to help raise your credit score, from managing bills responsibly to finding the right credit card.

6 Smart Ways to Help Improve Your Credit Score

Check out the common habits of people with solid credit — and try their strategies to build or boost your own score.

People Who Have Good Credit Do These 6 Things

These tips from financial pros can help you get a good credit score – and help you maintain it.

Not Sure How to Start Building Credit? Read This.

Lenders and creditors use these models to calculate your credit score, the number that predicts your ability to repay a debt, such as a personal loan or car loan. Here’s what you need to know about their varying methods and criteria.

FICO Credit Score and VantageScore: What’s the Difference?

Not-so-great credit may feel like a setback, but it doesn’t have to be permanent. Find helpful takeaways in these stories from real people who gave theirs a lift.   