Get to know your credit.

A good credit score can help you get approved for loans and qualify for low interest rates. Know it.

Get your free credit score

Have questions? We can help

How to fix your credit?

Fixing your credit is easy and you can certainly do it yourself, without using credit repair companies. See how.

How to build your credit?

Having no credit history is just as bad as having a poor credit. Learn how to build your credit from scratch.

What is a good credit score range?

Is your credit good or bad? Find out how lenders see your creditworthiness and how you compare to others.

Ready to check your credit history now?

Get your free credit report

Why your credit matters?

The main thing that banks and other financial institutions check to determine whether someone is credit worthy is their credit score. In fact, your credit affects many different areas of your life, which include the following:

Loan approval

You are probably aware that banks and other lenders will look at your 3 credit scores in deciding whether how likely you are to repay a loan. The types of loans we’re talking about involve personal loans, car loans, dental loans, home mortgages and more. If you go to a reputable lending institution for a hefty loan you’re going to need a high credit score. People with bad credit have fewer loan options, like pawn shops, payday or “instant approval” loans. These types of lenders are willing to take more risk in exchange for higher interest rates.

Interest Rates

Borrowers with good credit usually get a lower rate of interest on a loan. Lenders offer their best loan options to borrowers they are certain will have no problem repaying the loan. This means that your credit score will determine how much interest you pay on any loan over its term. If your score has you turning to a lender who won’t check your credit, you will end up paying a lot more. But, if you have a great credit history, lenders will jump at the chance to lend you money.


Insurance companies will check your credit report in deciding what premiums and fees to charge you for insuring your home, vehicle, etc . If they determine that you won’t reliably pay your premiums on time, they will charge you more. You might think this makes no sense because by charging you more, it will be more difficult for you to make your payments. But from their standpoint, if they charge you more, either up front or monthly, they get paid more in case you stop making your payments early.


Many employers now check the credit scores of job applicants before making a hiring decision, especially if the job involves handling money. If you want to work in accounting or get a job in government, or even as a tollbooth operator, you will likely have your credit checked. If you are going to be handling money, those supervising you must be sure that you can be trusted to make the right decisions.

Aside from all these, there are a lot of other situations in which your credit score is likely to be a factor. When you want to lease an apartment, your credit will be checked, same when you sign up for cell phone service or need to rent furniture. There are all kinds of situations in life that you’ll run into when you will need to have a specific credit score before being approved.

Your credit toolkit

We make credit simple

Cafe Credit started back in 2014 with a mission to provide the most accurate and actionable content about credit scores and credit reports. Today we are one of the most trusted websites in the credit industry. We help you save more money and live a better life.