Credit Score

Understand your score.
Then improve it.

What your credit score means, what determines it, and exactly how to move it higher.

Score Range Visualizer
680 — Good
300 Poor560 Fair650 Good720 V.Good800 Excel
You qualify for most credit products but may not get the lowest rates. A 5-year fixed mortgage might be 0.1-0.3% higher than someone at 780+.
🚀 You're 40 points away from "Very Good"
At 720+, you unlock the best mortgage rates and most premium credit products.
💰 What this score means financially
🏠
Mortgage rate
0.1-0.3% above best
🚗
Car loan
Slightly higher rates
💳
Credit cards
Standard products
⚠ At your score, a $500K mortgage could cost ~$83/month more than someone at 720+ — that's $24,900 extra over 25 years.
🎯 Your action plan — based on a score of 680
!
Pay every bill on time — set autopay on every account today (35% of score)
!
Reduce credit card utilization below 30% on each card — ideally below 10%
→
Avoid any new credit applications for the next 6 months
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Keep your oldest credit card open — even if you rarely use it
What determines your score
35%
Payment History
→ Set up autopay on every account — even just the minimum
▼
30%
Credit Utilization
→ Keep each card below 30% — pay before statement close date
▼
15%
Length of History
→ Never close your oldest credit card
▼
10%
Credit Mix
→ Having a card + loan (e.g. car) is ideal
▼
10%
New Inquiries
→ Avoid applying for new credit 6 months before a mortgage
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Score Simulator
Starting from 680 (Good) — see how specific actions would move your score.

Adjust the levers below to see how specific actions move your score. This is directional — not an exact model.

Credit utilization50%
High — consider paying down
Missed payments (past 2 yrs)0
Perfect — no missed payments
New credit applications0
Each application = hard inquiry (~-5-10 pts for up to 2 years)
Oldest credit card
Simulated score
690
Good
+10 points
Good → Good
Impact breakdown
Utilization+0
Payment history+0
New inquiries+0
Old card+0
In-depth guides — click to expand
The most important thing: never miss a payment+
The 30% rule — and how to game it+
Building credit from zero (students and newcomers)+
What hurts your score — and what does not+
How long negative items stay on your report+