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Credit 101

Learn the basics of credit

Why credit is important

Learn how credit works and how it can benefit you.

Credit Basics


Learn good credit habits

Explore a few simple ways to build good credit.

Good Credit Habits


The 5 C’s of Credit

Learn what lenders look for when they review credit applications.

Getting a loan


Understand credit scores and reports

Learn what you need to know about your credit score and report.

Credit Scores and Reports


Know your debt-to-income (DTI) ratio

Learn how DTI is calculated, what it means, and why it matters.

Debt-to-Income Ratio


Get free access to your FICO® Credit Score

Available for eligible Wells Fargo customers

Learn more about FICO® Score access