📊
Credit Score
680+ minimum
720 or above is ideal. The higher, the more you can get.
💳
Card Usage
<30% of your limits
Using less of your credit cards = better. Under 10% is best.
🪪
Credit Cards
1+ required
You need at least one card. Higher limits = more funding.
⏳
Credit Age
2+ years ideal
How long you have had credit. Longer is better.
✅
On-Time Payments
Clean record
No late payments in the last 12 months.
🔍
Recent Applications
<6 in 6 months
Don't apply for lots of credit right before this.