If you aren’t in that elite club, don’t despair. Plenty of Americans have really good credit. More than 20% of consumers have credit scores of 800 or better out of a possible 850, Experian reports.

Why is my credit score different on different sites? Find out why these numbers change and which score lenders actually ...

Refinancing your student loans can save you money in the long run, but it may not be a viable option for younger borrowers with little to no credit history.

However, our opinions are our own. See how we rate credit score services to help you make smart decisions with your money. Your credit score represents your creditworthiness to lenders based on ...

However, there’s a lot of information to weed through. FICO was one of the first companies to develop credit risk scoring models — an algorithm that can analyze a credit report and give ...

Learn more about it. Like it or not, your credit score matters. Without a good credit score, you’ll have trouble qualifying for loans or credit cards. This could limit your ability to make a ...

If you're thinking about buying a house sometime soon, it's a good idea to pause for a moment and double check your credit score before you submit any application materials. Your credit score ...

The rule of thumb for credit scores is the higher, the better. Does that mean hitting the highest possible credit score — 850 — is a goal worth striving for? Admittedly, a good to excellent ...

Your credit score is a three-digit number that reflects your credit history. It's not the complete financial picture, but lenders consider it when evaluating you for lines of credit and insurance.

Credit scores existed for decades before 1989. What changed that year was the introduction of the FICO score, the first generic credit scoring system. Previously, lenders developed and used their ...

However, our opinions are our own. See how we rate credit score services to help you make smart decisions with your money. FICO is the most widely used credit scoring model, developed by the Fair ...