Credit Basics 101
Learn the fundamentals of credit and how to start building a stronger financial future. In this beginner-friendly course, you’ll learn what impacts your credit score, common mistakes to avoid, and practical steps you can take to improve your credit profile.
By the end of this course, you’ll understand how credit works, what may be holding your score back, and how to create a plan to move toward your financial goals.
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Understanding Credit (What Is a Credit Score?)
A credit score is a three-digit number that lenders use to determine how likely you are to repay borrowed money. Your score typically ranges from 300 to 850.
The higher your score, the more trustworthy you appear to lenders. A higher score can help you qualify for better interest rates, higher credit limits, and more financial opportunities.
Credit Score Ranges
* 300–579: Poor
* 580–669: Fair
* 670–739: Good
* 740–799: Very Good
* 800–850 : Exceptional
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