Credit Score Guide

Everything you need to know about your credit score — in plain English.

Credit Score Ranges

800–850

Exceptional

Best rates, automatic approvals, premium cards

740–799

Very Good

Great rates, most cards available to you

670–739

Good

Solid options, competitive rates

580–669

Fair

Some options, higher rates, secured cards recommended

300–579

Poor

Limited options, secured card is your best tool

35%

Payment History

On-time payments are the single biggest factor. One missed payment can drop your score 50–100 points.

30%

Credit Utilization

How much of your available credit you use. Keep it under 30% for best results.

15%

Length of History

How long your accounts have been open. Older accounts help your score.

10%

Credit Mix

Having both cards and installment loans (like a credit builder loan) boosts your score.

10%

New Credit

Each hard inquiry temporarily drops your score 5–10 points. Apply for one card at a time.

A secured card is the fastest tool. Find the right one for your situation in 60 seconds.