Only one in four Americans has a credit score above 800, which is considered exceptional, according to industry data.

If your limits are low, your credit scores are probably lower due to high utilization. To calculate utilization, most credit scoring models compare your credit card balances to their credit limits as ...

Your score is constantly changing because lenders regularly provide new information about you to the credit bureaus. For ...

Your credit score shapes every aspect of your mortgage terms, from your interest rate to your total repayment amount. Lenders ...

What is considered a good credit score depends on the type of credit score used. You have multiple credit scores, but the ...

More than a third of all Americans have a credit score below 670, according to Experian. And many don’t realize what’s hurting their credit until they’re denied a loan or hit with higher costs. Your ...

Regardless of what happens to the proposed credit card interest rate cap, a better credit score gets you access to better rates.

This story is free to read because readers choose to support LAist. If you find value in independent local reporting, make a donation to power our newsroom today. One of the many economic benefits of ...