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Improve your score — and your life.
What’s in a number? When it comes to credit scores, more than you might think. Credit scores can affect your ability to get a loan, a job, even a place to live. A good score opens doors while a low score can cost you money.
Here’s how your score may impact you:
Loan and credit card options
A good score gives you a range of options to get the best terms, features and rewards.
Security Deposits and co-signers
Companies, like utilities and cellphone providers, may make you jump through hoops if your credit score is low.
Rates and monthly payments
The better your score, the lower your loan rate. And a lower rate means lower monthly payments.
Landlords usually review credit information when deciding if they’ll rent to you.
Your credit score can even affect how much insurance policies cost.
Potential employers often look at your credit when considering you for a new job.
Credit scores typically range from 300 to 850. Numbers may vary slightly depending on who you talk to, but in general scores above 670 are considered good. Fair scores range from 669 to 580, while poor scores are anything below 579.
Smart money habits can help you quickly improve your score. Make payments on time, keep credit card usage to under 30% of your credit limit, and avoid closing credit cards unless you have to. It’s also important to keep an eye on your profile for fraudulent activity or errors that could damage your credit score.
Plus, when you sign up for LendingTree, you’ll receive personalized recommendations for specific ways to improve your score and overall financial well-being.
Yes! With LendingTree, there’s no payment required ever. It’s all free, easy and secure — and it always will be.
We use VantageScore to give you a whole and accurate view of your credit. Because there are several different organizations offering different calculations, the three major credit bureaus created VantageScore to give you one number you can trust.
Nope, checking your score with LendingTree won’t lower your credit score or impact it in any way. Check as often as you want.