What Credit Do You Need?
What credit actually matters for a car, a home, a rental, a wedding, or a job.
What credit do you need to buy a home?
A mortgage is the most thoroughly underwritten loan you'll ever get, so it's the one where your score matters least on its own. Minimum scores vary by loan type, but your debt, down payment, reserves, and income weigh just as hard.
4 min read
What credit do you actually need to buy a car?
There's no magic score that gets you a car. Lenders weigh your score alongside your income, down payment, and history, and because the car backs the loan, they're more forgiving than you'd expect. Here's what actually matters.
4 min read
What credit do you need to rent an apartment?
There's no required minimum credit score to rent, and no single number every landlord uses. Most look for roughly 620 to 650, but income, rental history, and a clean report often matter more than the score itself.
3 min read
What credit do you need to get a job?
Employers can't see your credit score. For some roles, and only with your written permission, a few pull a modified report with no score, and many states now restrict even that. Here's what's really at stake, and your right to correct it.
4 min read
What credit do you need to pay for a wedding?
A "wedding loan" is just a personal loan, unsecured, so your credit score drives the rate more than it would on a car or a home. Here's what good credit is actually worth, and the question to ask before you borrow at all.
3 min read