Credit Score Articles

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What Is Credit?

Credit is an important tool that can help you finance your education, buy a car, or start a business. Everyone has heard of credit, but not everyone understands what it is.

Published December 08, 2022

What Is An Installment Loan?

An installment loan allows you to borrow a lump sum of money and then repay it over a period of time in fixed installments.

Published 07 December 2022

Hard Inquiry: What Is It?

A hard inquiry is when a lender checks your credit report to make a lending decision.

Published 06 December 2022

Credit Mix

Credit mix is an important factor in your credit score and a way to improve your credit score. We show you how you can use it to improve your credit score quickly and easily!

Published 05 December 2022

Revolving Credit: What Is It And How Does It Work?

You've probably heard of revolving credit, but do you know what it is and how it works?

Published 04 December 2022

Credit Utilization - What Is It?

Credit utilization plays a significant role in determining your credit score. You've probably heard that you should keep your credit utilization low, but you may not know precisely what that means.

Published 03 December 2022

Average Credit Score By Age And Location

Average credit scores typically vary based on factors such as age, state, and income. However, none of these factors are actually used to calculate your score. Good credit habits are what matter most.

Published 08 January 2023

What Is A Good Credit Score?

A good credit score signals to lenders that you're a responsible borrower who is likely to repay what you borrow. Your credit score is an important number that lenders look at when considering you for a loan or line of credit. The FICO® Score ranges from 300 to 850, with a good score falling between 670 and 739. On the VantageScore® range, a good credit score is 661 to 780. If your credit score falls within these ranges, you're in good shape when it comes to borrowing money.

Published 16 July 2022

Credit Score Ranges

300 Credit Score: Is It Really That Bad?

Although a score of 300 is not ideal, it is still possible to get a mortgage, car loan, or unsecured credit card with some effort. There are many programs and lenders out there who are willing to work with people with less-than-perfect credit scores. With some research and perseverance, it is possible to find a loan that meets your needs.

335 Credit Score: Is It Really That Bad?

Although a 335 credit score is not ideal, it is still possible to get a mortgage, car loan, or unsecured credit card with this score. There are many financial institutions that work with people with poor or very poor credit scores. With a little research, you should be able to find a lender that is willing to give you the loan you need.

370 Credit Score: Is It Really That Bad?

Although 370 is a low credit score, it does not mean that you will never be able to get a mortgage, car loan, or unsecured credit card. There are many different factors that lenders take into account when considering a loan, and your credit score is just one of them. You may still be able to get a loan with a lower credit score, although you may have to pay a higher interest rate. Don't let your credit score stop you from applying for a loan - you may be surprised at what you can get approved for.

405 Credit Score: Is It Really That Bad?

Unfortunately, a credit score of 405 is very low. It's classified as “poor” or “very poor” by every major credit scoring company. With a score like this, it will be nearly impossible to get a mortgage, a car loan, or an unsecured credit card.

440 Credit Score: Is It Really That Bad?

Although a credit score of 440 is not ideal, it is still possible to get a mortgage, car loan, or unsecured credit card with this score. There are many resources available to help you improve your credit score and get the financing you need. With a little effort, you can improve your financial situation and reach your goals.

475 Credit Score: Is It Really That Bad?

Although 475 is not a great credit score, it is still possible to get a mortgage, car loan, or unsecured credit card with this score. There are many lenders who are willing to work with people with poor or very poor credit scores. You may have to pay a higher interest rate than someone with a good credit score, but it is still possible to get the financing you need.

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