In 2018, the average credit score in the United States was 704, which is considered ‘Very Good,’ and it is. Some lenders may offer people with this score the lowest rates, but there is no guarantee.
If you are one of the many Americans who find themselves in this boat, then you probably want to improve your credit score so you can also be a member of the 800-Plus Club. To do so, you must learn and understand everything there is to know about credit tradelines and how they affect your credit report.