 TITLE: How Do I Get My Credit Score Above 700? CONTENT: Why Do I Want a Score Above 700?\n--------------------------------\nA good credit score ranges from 670 to 739, according to FICO®, the scoring model used most by lenders. That means working toward a credit score above 700 can make your life easier and help improve your finances.\nHaving a good credit score is important for several reasons. Lenders look at your credit score to determine how likely you are to pay back your debts on time. The higher your score, the more favorable the offers you are likely to receive from lenders, including higher dollar amounts at lower interest rates on loans, higher credit card limits and lower APRs on those cards, and access to more financing options.\nA good credit score can make a significant difference in the long run because lower rates can spell big savings. That's especially the case on longer-term loans, such as auto and mortgage loans, where even a small difference in interest rate can save you thousands of dollars over the loan term.\nBuilding good credit can also help you qualify for lower auto and homeowners insurance rates and can make it easier to secure a housing lease or even certain jobs. As such, it's a good idea to work to improve your credit even if you're not planning a major purchase. END