Where Does Your Credit Score Fall?
Nearly 20% of the U.S. population has a credit score under 620. Fall below that and you are likely to be labeled a high risk for a loan or line of credit.
For many lenders, 620 is considered the dividing line between good and bad credit. Generally speaking, a credit score above 640 is considered pretty good.
A score in this range will most likely qualify you for the best rate your lender has to offer. This range typically represents a consumer with no late mortgage payments and no more than one 30-day late payment on consumer credit.
You're most likely in the top 5%! The very best credit rates usually go to those who are above 750. This means you're probably a low risk borrower.
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A good credit score is your passport to competitive interest rates for mortgages, cars, credit card offers, job offers, insurance premiums and more. A strong score is worth money because it saves you in excess costs.
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