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Do I Need a Perfect Score?
Credit scores range from a low of 300 to a high of 850. Each of the big three credit reporting agencies have their own way to calculate your score, and your score may vary by a few points with each agency. Some consumers believe that you must have a perfect credit score in order to get approved for loans or credit cards. However, this is not the case. Generally, almost anyone can get approved for a credit card. The type of credit card and interest rate depends greatly upon your credit score.
If your credit score falls below 600, you are considered to have poor credit and you may only be qualified for secured offers of credit, and those with the highest interest rates and poorest terms. As your credit improves, you'll see unsecured credit offers come your way. You'll also be able to take advantage of lower interest rates and cards with no extra fees. If you have poor credit, it is important to utilize one or two of the less-desirable cards to help you improve your credit score so you can get better lending products in the future.
If you are looking to improve your credit score so you can qualify for better lending products, we can help. We have provided a list of the top ranked credit repair companies working in the United States for you to browse and find the best one to help you achieve your financial goals.