{"id":17249,"date":"2024-11-04T15:32:44","date_gmt":"2024-11-04T21:32:44","guid":{"rendered":"https:\/\/www.lexingtonlaw.com\/blog\/?p=17249"},"modified":"2024-10-31T16:32:58","modified_gmt":"2024-10-31T22:32:58","slug":"benefits-of-good-credit-score","status":"publish","type":"post","link":"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/benefits-of-good-credit-score.html","title":{"rendered":"7 benefits of a good credit score"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"570\" height=\"190\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2022\/03\/Blog-images-1500X500_good-credit.png\" alt=\"\" class=\"wp-image-17250\"\/><\/figure>\n\n\n\n<p><em>The information provided on this website does not, and is not intended to, act as legal, financial or credit advice.<\/em>&nbsp;<a href=\"https:\/\/www.lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><em>See Lexington Law\u2019s editorial disclosure for more information.<\/em><\/a><\/p>\n\n\n\n<p>Your credit score is a three-digit number that\u2019s meant to reflect how reliable you are as a borrower. Lenders and creditors use this number to determine if you should be approved for loans or credit and at what interest rate and terms. You often hear about the importance of maintaining a healthy credit score, but you may not be clear on why.&nbsp;<\/p>\n\n\n\n<p>A high credit score opens new financial (and other lifestyle) opportunities. Additionally, good credit can save you money\u2014often large amounts when it comes to bigger loans such as mortgages. Keep reading for the seven most influential good credit score benefits you should know.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-good-credit-score\"><a><\/a>What is a good credit score?&nbsp;&nbsp;<\/h2>\n\n\n\n<p>There are two major credit scoring models: FICO\u00ae and VantageScore\u00ae. When a lender or creditor needs to evaluate your credit score, they\u2019ll pull it based on one of these models. While FICO scores and VantageScores are determined by similar factors, such as payment history, each scoring model gives different weight to each factor. This means a person\u2019s credit score might differ depending on the scoring model used.&nbsp;<\/p>\n\n\n\n<p>A FICO score ranges from 300 to 850. The good and higher credit score rankings for FICO are:<\/p>\n\n\n\n<ul>\n<li>670 \u2013 739: Good<\/li>\n\n\n\n<li>740 \u2013 799: Very Good<\/li>\n\n\n\n<li>800 \u2013 850: Exceptional<\/li>\n<\/ul>\n\n\n\n<p>A VantageScore score also ranges from 300 to 850. The good and higher credit score rankings for VantageScore are:<\/p>\n\n\n\n<ul>\n<li>601 \u2013 660: Fair<\/li>\n\n\n\n<li>661 \u2013 780: Good<\/li>\n\n\n\n<li>781 \u2013 850: Excellent<\/li>\n<\/ul>\n\n\n\n<p>If your score falls into one of these ranges, the following <a href=\"https:\/\/www.lexingtonlaw.com\/education\/good-credit-score\" target=\"_blank\" rel=\"noreferrer noopener\">good credit score<\/a> benefits may apply to you. And if your score is below these ranges, don\u2019t worry\u2014you can <a href=\"https:\/\/www.lexingtonlaw.com\/education\/how-to-build-credit\" target=\"_blank\" rel=\"noreferrer noopener\">work your way up to a better credit score<\/a> over time.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-7-good-credit-score-benefits\"><a><\/a>7 good credit score benefits<\/h2>\n\n\n\n<p>Here are the seven most influential benefits of maintaining a good credit score:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-better-loan-terms\"><a><\/a>1. Better loan terms<\/h3>\n\n\n\n<p>The most significant benefit of having a great credit score is often getting <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-cards\/how-to-lower-interest-rate.html\" target=\"_blank\" rel=\"noreferrer noopener\">more favorable interest rates<\/a>. The higher your credit score is, the lower your interest rate will be on loans and credit, including mortgages, credit cards, auto loans and personal loans.\u00a0<\/p>\n\n\n\n<p>Let\u2019s look at an example. According to <a href=\"https:\/\/www.myfico.com\/loan-center\/home-mortgage-rate-comparison\/default.aspx?sscid=11k6_zn3pc&amp;utm_source=sas&amp;utm_medium=affiliate&amp;utm_campaign=314743&amp;utm_content=1309044\" target=\"_blank\" rel=\"noreferrer noopener\">FICO<\/a>, someone with an exceptional FICO score in the range of 760 to 850 could have secured an average mortgage interest rate of 6.19 percent in December 2023. During the same time, a person with a fair FICO score between 620 and 639 could only secure an average mortgage interest rate of 7.78 percent.\u00a0<\/p>\n\n\n\n<p>Let\u2019s assume both people took out a $400,000 mortgage for 30 years. The individual with an exceptional credit score would have a monthly payment of $2,428 and would pay $474,080 in interest over the life of the loan. In comparison, the person with poor credit would have a monthly payment of $2,841 and would pay $622,665 in interest over the mortgage term. That\u2019s a noteworthy difference of over $148,585 in interest alone.&nbsp;<\/p>\n\n\n\n<p>In addition to better interest rates, a good credit score can secure better loan terms in other ways. For example, you might be able to negotiate to have loan fees waived or receive more leniency when making late payments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-higher-credit-card-limits\"><a><\/a>2. Higher credit card limits<\/h3>\n\n\n\n<p>Individuals with better credit are often offered higher credit limits. Higher credit limits can help individuals make big purchases or cover emergency expenses if necessary.&nbsp;<\/p>\n\n\n\n<p>Additionally, a high credit limit can also help keep a person\u2019s credit utilization low. Credit utilization is one of the five factors that make up your credit score, accounting for 30 percent of your&nbsp;FICO score. Your credit utilization ratio is the amount of credit available to you versus the amount you\u2019ve used.&nbsp;<\/p>\n\n\n\n<p>Someone with a $500 balance on a credit card with a limit of $1,000 will have a credit utilization of 50 percent, which will likely bring their credit score down. In comparison, someone with the same balance and a $5,000 credit card limit will only have a credit utilization of 10 percent and may see their credit health benefit as a result.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-better-credit-card-rewards-and-perks\"><a><\/a>3. Better credit card rewards and perks<\/h3>\n\n\n\n<p>Along with better interest rates and higher credit limits, a good credit score can help you access more prestigious cards with better perks and reward programs. Some of the credit cards with the best reward or cashback incentives require a minimum credit score\u2014often a score of 650 or higher.&nbsp;<\/p>\n\n\n\n<p>The right credit card program can mean hundreds in cash back over the year, free goods, gift cards or even a fully funded vacation. You just want to make sure to take advantage of any credit card rewards available to you.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-more-housing-options\"><a><\/a>4. More housing options<\/h3>\n\n\n\n<p>Your credit can play a role in helping you secure housing\u2014both when buying and renting. When it comes to renting, some landlords run a credit check and only <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/finance\/credit-score-apartment.html\" target=\"_blank\" rel=\"noreferrer noopener\">approve tenants with a strong credit score.<\/a> If you have poor credit, your landlord may worry that you\u2019ll have trouble making rent payments on time and deny your application.\u00a0<\/p>\n\n\n\n<p>A strong credit score also plays a significant role in acquiring a mortgage approval. Having good credit can help your mortgage loan in the following ways:<\/p>\n\n\n\n<ul>\n<li>Help ensure you\u2019re approved for the loan<\/li>\n\n\n\n<li>Help you get approved faster<\/li>\n\n\n\n<li>Help you get approved for a larger amount<\/li>\n\n\n\n<li>Help you get a lower interest rate and better loan terms<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-better-insurance-rates\"><a><\/a>5. Better insurance rates<\/h3>\n\n\n\n<p>Insurance companies review your credit score when deciding if they\u2019ll accept you as a customer and what rate they\u2019ll give you. Solid credit can help you save money on your homeowner\u2019s insurance, renter\u2019s insurance or car insurance.&nbsp;<\/p>\n\n\n\n<p>One study found that having poor credit increases a driver\u2019s insurance rates more than if they have a speeding ticket, get in an accident or have a DUI. On average, drivers with bad credit see their rates increase <a href=\"https:\/\/www.forbes.com\/advisor\/car-insurance\/rate-increase-poor-credit\/#:~:text=Our%20analysis%20found%20car%20insurance,ticket%20rise%20by%20only%2021%25.\" target=\"_blank\" rel=\"noreferrer noopener\">by 76 percent annually<\/a>. In comparison, a driver who receives a speeding ticket will only see a 21 percent annual rate increase.\u00a0<\/p>\n\n\n\n<p>Note that using credit scores to determine insurance packages has been deemed an unfair practice in some states. California, Hawaii, Massachusetts and Michigan have all\u00a0<a href=\"https:\/\/www.forbes.com\/advisor\/car-insurance\/auto-insurance-score\/\" target=\"_blank\" rel=\"noreferrer noopener\">banned insurance providers<\/a> from using credit scores to set car insurance rates.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-6-more-job-prospects\"><a><\/a>6. More job prospects&nbsp;<\/h3>\n\n\n\n<p>Some states let employers request a credit check from job applicants. No job prospect is ever guaranteed, but your credit score might be the deciding factor against you for a potential employer. Someone with a low score, missed payments and delinquencies may be seen as a risky hire. This is especially true for specific industries like banking and the financial sector.&nbsp;<\/p>\n\n\n\n<p>The good news is that you\u2019ll know when a potential employer runs a credit check, as they need your approval to do so. We recommend you <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/how-to-check-credit-score.html\" target=\"_blank\" rel=\"noreferrer noopener\">check your scores and reports<\/a> beforehand to know what they might see.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-7-easier-access-to-utilities\"><a><\/a>7. Easier access to utilities<\/h3>\n\n\n\n<p>When you sign up for utilities, such as electricity and water, the company will often run a credit check to see your track record with payments. If you have good credit, you can get utilities turned on quickly and potentially avoid utility deposits.&nbsp;<\/p>\n\n\n\n<p>In contrast, those with poor credit may find it more challenging to get their utilities turned on, be asked to pay a deposit or even be asked to provide a cosigner who\u2019ll be responsible for missed payments.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-can-you-improve-your-credit\"><a><\/a>How can you improve your credit?<\/h2>\n\n\n\n<p>There are several steps you can take to improve your credit. These include:<\/p>\n\n\n\n<ul>\n<li>Keeping credit utilization low<\/li>\n\n\n\n<li>Making payments on time<\/li>\n\n\n\n<li>Being patient and consistent with your efforts<\/li>\n\n\n\n<li>Checking your credit score and credit reports often&nbsp;<\/li>\n\n\n\n<li>Addressing any inaccurate negative items you see\u2014and using the help of a credit repair organization like Lexington Law Firm when challenging these items&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>A healthy credit score can save you money and open the door to many financial opportunities. While it may take a while to see some improvements, building better credit habits will be an asset that will help you in the long term. Try to <a href=\"https:\/\/www.lexingtonlaw.com\/education\/improve-credit-score\" target=\"_blank\" rel=\"noreferrer noopener\">prioritize improving your credit<\/a> as soon as possible so you can start seeing the benefits sooner. You don\u2019t have to do this alone if you\u2019re unsure where to start. Consider using the professional credit repair services <a href=\"https:\/\/www.lexingtonlaw.com\/our-services\" target=\"_blank\" rel=\"noreferrer noopener\">Lexington Law Firm<\/a> offers to get assistance with your credit repair journey.\u00a0<\/p>\n\n\n\n<p><a aria-label=\"undefined (opens in a new tab)\" href=\"https:\/\/lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em>Note:<\/em><\/strong><\/a><em> The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A good credit score can set you up for a strong financial future. Here are seven examples of exactly how a good credit score can benefit you.<\/p>\n","protected":false},"author":63,"featured_media":17251,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.1 (Yoast SEO v18.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>7 Benefits of a Good Credit Score | Lexington Law<\/title>\n<meta name=\"description\" content=\"A good credit score can set you up for a strong financial future. 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