Know your number.
Change your story.
Your credit score touches almost every financial decision you make. Here's exactly how it works — and how to take back control.
See your free scoreYour FICO Score
720
Very Good
After Apex Credit plan
+84 pts avg in 4 months
Credit ranges
Where does your score fall?
FICO scores range from 300 to 850. Anything below 670 is generally considered subprime.
Poor
300–579
Fair
580–669
Good
670–739
Very Good
740–799
Excellent
800–850
The impact
Bad credit could quietly cost you everything.
Mortgages
Lower scores mean higher rates — or no approval at all.
+$118K over 30 yrs
Car loans
A 580 score can pay over 2x more interest than a 720.
+$4,200 on a 5yr loan
Credit cards
Premium rewards and 0% APR offers require strong credit.
Up to 30% APR difference
Apartments
Landlords routinely deny applicants with bad credit.
Higher security deposits
Employment
Many employers run credit checks before hiring.
Affects job offers
Phone & utilities
Carriers may require deposits for poor credit applicants.
$200–500 deposits
Real numbers
$300K mortgage. Two very different stories.
FICO 620
7.8% APR
FICO 760
6.1% APR
You save $122,400
Find out where you stand — free.
See your score, get a personalized plan, and start your repair journey today.