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
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
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
- 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.
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