credit score range

Why should you care about maximizing your credit score?


Why should you care about maximizing your credit score?  … and how is your credit score calculated anyway? What does a 650 credit score mean?

If you’re planning to apply for a mortgage, loan or credit card, you should care about your credit score because it is one of the most important factors that a lender will look at before extending you credit.


Confused about your credit score?

If you’re feeling frustrated, confused or overwhelmed trying to understand what your score means, how it impacts your life and how you can improve it, then you’ve come to the right place! was designed to help educate you on all facets of your credit including steps to take to improve your score so that it can be the highest you can achieve. The research that has done for you can save you money, time and energy. Let’s start with the basics.


What is a credit score?

A credit score is a 3 digit number that indicates to a lender your worthiness of borrowing money for a car, home or other lines of credit. It is determined by looking at different facets of your credit history. Scores can range from between 350 and 850 with anything below 350 meaning that you have no credit history.

According to, you have a rating of excellent credit if your score falls between 750-850. While this may seem difficult to achieve, understanding what you need to do to attain an excellent rating is the first step. Good credit is considered to be a score of 700-749 with a score of 650-699 considered a fair credit score. Anything below 650 is considered a poor credit.

How to use this website

This website is named because the national average for credit scores is approximately 650. You’ll have access to informative blog posts on different topics that will help you improve your score regardless of where you start. If you implement some of these suggestions, you could see an improvement in your score in as little as 3 months.