FEATURED CREDIT CARDS

Mission Lane Visa^® Credit Card

Mission Lane Visa<sup>®</sup> Credit Card

No Annual Fee
Fair Credit
Enjoy coverage from Visa^®.
*See Card Terms

Indigo^® Mastercard^® - $1,000 Credit Limit

Indigo<sup>®</sup> Mastercard<sup>®</sup> - $1,000 Credit Limit

Get the credit limit you deserve—$1,000 guaranteed if approved
Rates & Fees

Milestone^® Mastercard^®

$700 Credit Limit
No security deposit
Less than perfect credit is ok
Rates & Fees

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Experian Boost: A Comprehensive Guide to Boosting Your Free Credit Score

FICO^® Credit Scores

A FICO^® Score is a specific, proprietary type of credit score created by the Fair Isaac Corporation (FICO). It is the most widely used credit scoring model, with approximately 90% of top U.S. lenders using a FICO^® Score to make lending decisions.

FICO^® Score Ranges:

Exceptional: 800–850
Very Good: 740–799
Good: 670–739
Fair: 580–669
Poor: 300–579

While many people (and credit education websites) use "Excellent" and "Bad" as general, descriptive terms, FICO^® officially categorizes its score ranges as Poor, Fair, Good, Very Good, and Exceptional.

What is a Credit Score?

A credit score is a three-digit number, typically ranging from 300 to 850, that predicts your creditworthiness—how likely you are to repay borrowed money on time. Lenders use this score to assess the risk of lending to you and to determine the interest rates and terms of any credit you might receive.

Why is a Credit Score Important?
A credit score is important because it acts as your financial reputation. Lenders, landlords, insurers, and employers use this single number to quickly judge how reliable you are with money. A higher score helps you qualify for loans and credit cards, often securing lower interest rates that can save you significant money. Conversely, a poor credit score can lead to application denials or much higher costs for borrowing, making it a key factor in your overall financial opportunities.

FICO^® Credit Score Facts

Key Characteristics of FICO^® Scores

Three-Digit Number: Like other credit scores, FICO^® Scores are a three-digit number that summarizes a consumer's credit risk.

Range: Most standard FICO^® Scores range from 300 to 850. Higher scores indicate lower credit risk.

Data Source: FICO^® Scores are calculated using data from your credit reports maintained by the three major credit bureaus: Experian, Equifax, and TransUnion. Your score may vary slightly depending on which bureau's data is used.

Industry Standard: Lenders rely on FICO^® Scores for mortgages, auto loans, and credit cards because they provide a consistent, statistically sound assessment of the likelihood that a borrower will repay their debt.

Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.

Security Notice: All Applications utilize Secure SSL Technology for secure transmissions.

*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.

Advertiser Disclosure: The card offers that appear on this site are from companies from which Gettingacreditcard.com may receive compensation when a customer clicks on a link, when an application is approved, or when an account is opened. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.

FEATURED CREDIT CARDS

Mission Lane Visa® Credit Card

Indigo® Mastercard® - $1,000 Credit Limit

Milestone® Mastercard®

GettingACreditCard.com - Links

FICO® Credit Scores

What is a Credit Score?

FICO® Credit Score Facts

Advertiser Disclosure:

About Our Offers:

Mission Lane Visa^® Credit Card

Indigo^® Mastercard^® - $1,000 Credit Limit

Milestone^® Mastercard^®

FICO^® Credit Scores

FICO^® Credit Score Facts