Got Fair or Average Credit? Here's How a Credit Card Can Help Raise Your Score Even Higher

Reaching fair credit on your credit-building journey can feel like a milestone that opens up a lot of doors.

How do you know if you have fair or average credit?

The easiest way to know if you have fair or average credit is to check yourcredit score.

you’ve got the option to access your credit score through afree credit monitoring service.

when you obtain your credit report, check it for discrepancies.

If your report looks correct, you’re able to begin working to build your credit.

Certain credit cards require varying levels of credit to reach.

There are a number of ways to increase your credit score.

However, you could also improve your score by working topay off your credit card debt.

Reducing the amount of debt you have can help improve your score by reducing your credit utilization.

Adding another credit card can also increase your overall available credit, lowering your utilization.

A secured credit card requires a one-time security deposit upon approval, but it’s refundable following responsible use.

Use the card responsibly and your credit should start to improve.

Your credit should begin to improve when you land a solid credit history of on-time payments.

Any credit product – includingpersonal loans,mortgagesandauto loans– will help build your credit by paying online.

you’re free to also try acredit-building loan.

It works like a reverse personal loan.

The primary function is to help improve your credit.

The average credit score in the US was 715 in 2024, according toExperian.

Travel credit cards typically require good to excellent credit.

Each card has different lending criteria.

Credit limits tend to be low and usually match the amount of your security deposit.

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