Credit scores don’t matter unless you’re trying to get a loan, rent an apartment, secure insurance, buy a home, avoid paying ...

The average credit score is 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 in April 2024.

A credit score of 800 or above is considered excellent and has the same benefits as a perfect 850 score. Benefits of an 800 ...

The Amex Platinum Card is a premium travel and lifestyle card, and it generally requires good to excellent credit to qualify. Read on to find out more.

Your credit utilization ratio is the amount of debt you have divided by your total credit limit. Credit utilization accounts for a decent chunk of your credit score, so aim to use no more than 30% ...

However, our opinions are our own. See how we rate credit score services to help you make smart decisions with your money. Your credit score represents your creditworthiness to lenders based on ...

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.