CREDIT SCORES

What is a good credit score?

FICO ranges explained

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Scale

300–850

FICO range

Higher is better.

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Good

670–739

FICO

Approved for most products.

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Very good

740–799

FICO

Near-best rates.

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Exceptional

800+

FICO

Best rates.

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Biggest factor

35%

Payment history

Never miss a due date.

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Next

30%

Amounts owed

Keep card use under 30%.

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Myth

CHECKING

Your own score

Doesn’t lower it.

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Free reports

WEEKLY

AnnualCreditReport.com

Check for errors.

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Raise your score

Step-by-step plan

Read the guide

nexgenheadlines.com

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