NOT KNOWING YOUR CREDIT SCORE
A credit score above 800 is considered excellent; 700 to 740 or above is good; 650 to 670 or above is fair; and 550 to 580 or above is poor. Below that is very poor. According to CreditCards.com, the national average for credit card APR is 17.55 percent. The difference can mean 15.18 percent APR on a low-interest card and 24.89 percent APR on “bad credit” cards. If you don’t know your credit score, you can’t improve your credit: Find a participating bank, credit union or credit card issuer and check your FICO score for free.