An 850 credit score won't get you lower rates. Here's what actually changes, what doesn't, and why perfect credit still matters.

The average credit score in February 2025 was 715, according to FICO, the data analytics firm whose scoring models are used in 90% of lending decisions. That's compared to 716 in January 2025 and 717 ...

Plus, how to maintain a strong credit score.

Credit scores don’t matter unless you’re trying to get a loan, rent an apartment, secure insurance, buy a home, avoid paying a deposit to utility companies, or even land some jobs. OK. Unless you’re ...

Your credit score is the key to your financial future: It can determine whether you get approved for a credit card, car loan or mortgage, and what interest rate you'll pay. In some cases, your score ...

More than a third of all Americans have a credit score below 670, according to Experian. And many don’t realize what’s hurting their credit until they’re denied a loan or hit with higher costs. Your ...

It’s a little bit odd that a number on a paper or screen can make us feel something so deep inside the pit of our stomachs, isn’t it? But that’s exactly what a credit score can do when it starts to ...

It’s possible to have poor credit without even being in debt. I generally paid cash or used my debit card throughout all the years I worked in hospitality. I thought I was being cost-conscious while ...