Our Mission: Educating Consumers on Smarter Credit Choices
After over 24 years observing the credit card industry, we’ve learned a crucial lesson: Consumers often choose options that meet an immediate, emotional need rather than their long-term best financial interests.
We consistently see people select unsecured credit cards with high fees and extreme interest rates over safer, more affordable secured credit cards. This choice is usually driven by avoiding an upfront security deposit, even if it costs them more in the long run.
Why We Write Detailed, Educational Content
Our content strategy is built entirely around this observation. The reason we spend time creating detailed articles—like our five-part series on the Arro Card, or guides on the differences between secured and unsecured options—is to bridge that knowledge gap.Our goal is to be useful and helpful to credit card applicants by:
Transparency: How We Get Paid
It's important for you to know that while our content is unbiased and focused on education, we do get compensated for the work we do.We have affiliate relationships with many of the credit card issuers and financial companies mentioned on this site. If you click on a link in one of our articles and get approved for a product, we may receive a commission from that partner.
This compensation does not influence our reviews. We prioritize providing accurate, helpful information above maximizing our earnings from any single offer. Our commitment is to our readers first.
We write the content we do because we believe that an educated consumer is an empowered consumer. Our experience in the industry guides us to provide transparent, unbiased information designed to genuinely help you navigate the complex world of credit building.
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Experian Boost: A Comprehensive Guide to Boosting Your Free Credit Score
FICO Credit Scores
A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.
What is a Credit Score?
A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.
Credit Score Facts
- Credit Scores range from 300-850, the higher the better.
- Most lenders base approval on your credit score.
- Higher Scores mean lower payments and better deals.
- Higher Scores mean Lower interest rates.
- Scores are determined by 5 main categories:
- Payment History
- Amounts Owed
- Length of Credit History
- Type of Credit Used
- New Credit
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.
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