Credit Score Guide
Understand what affects your credit score and discover what financial products you qualify for at your score level
Credit Score Educational Tool
Select your estimated credit score range below to learn what products you may qualify for and how to improve
Poor
300-549
Fair
550-649
Good
650-749
Very Good
750-799
Excellent
800-850
What's Affecting Your Score
35%
Payment History
On-time payments are critical
30%
Credit Utilization
Keep balances below 30%
15%
Credit Age
Length of credit history
10%
New Credit
Hard inquiries affect score
10%
Credit Mix
Variety of credit types
Ways to Improve Your Credit Score
- Make all payments on time, even if just the minimum payment
- Lower your credit utilization ratio by paying down balances
- Don't close old credit accounts; keep them open and active
- Limit new credit applications to avoid hard inquiries
- Check your credit report for errors and dispute inaccuracies
- Become an authorized user on someone's account with good payment history
- Consider a secured credit card if you're building credit from scratch
- Keep your credit mix diverse (cards, loans, installment accounts)
Products Available at Your Score Level
Important Disclaimer: This is an educational tool and NOT a real credit report or official credit score. We are not pulling your actual credit file or hard inquiries. This tool only provides general information about how credit scores work and what products may be available at different score ranges. Your actual credit score comes from credit bureaus (Equifax, Experian, TransUnion). To get your real credit score, visit annualcreditreport.com or use a credit monitoring service. Different lenders may use different scoring models and may have different credit requirements.
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