Credit Score Range | AUTHENTIC 2026 |

Also known as credit utilization. Keeping your balances low relative to your limits is critical [22, 34].

Higher scores generally lead to lower interest rates on mortgages, auto loans, and personal loans [5, 27]. credit score range

Landlords, insurance companies, and even employers may check your credit to gauge financial responsibility [24, 27]. Factors That Build Your Score Also known as credit utilization

Your record of making on-time payments. A single late payment can significantly drop your score [22, 38]. and personal loans [5