Credit Score Guide

Understand your credit score, how it affects your loan rates, and proven strategies to improve it fast.

Credit Score Ranges

800–850Exceptional

Best rates, fastest approvals, all lenders

740–799Very Good

Excellent rates, near-instant approvals

670–739Good

Competitive rates, most lenders available

580–669Fair

Higher rates, fewer lenders, but options exist

300–579Poor

Limited options, very high rates

35%

Payment History

30%

Credit Utilization

15%

Credit History Length

10%

Credit Mix

10%

New Credit Inquiries

Pay bills on timeHigh Impact

Payment history is 35% of your credit score. Set up autopay for all accounts.

Lower your credit utilizationHigh Impact

Keep balances below 30% of your credit limit. Under 10% is ideal.

Don't close old accountsMedium Impact

Length of credit history accounts for 15% of your score. Keep old cards open.

Limit hard inquiriesMedium Impact

Only apply for new credit when needed. Multiple applications hurt your score.

Diversify your credit mixLow Impact

Having both installment loans and revolving credit can help your score.

Dispute credit report errorsHigh Impact

Check your free annual credit report and dispute any inaccuracies immediately.

We work with lenders who specialize in all credit profiles. Check your options today.