Welcome to Credit Cards for Fair Credit, a website dedicated to helping people with fair credit learn more about credit cards and how to improve their credit scores.
We provide information, as well as general tips and advice on personal finance. While all of those other websites are out there just trying to push people after one credit card or another, we are a site created by people who are tired of the onslaught of marketing to get consumers into debt that they cannot afford.
Credit cards provide an ease and convenience with the handling of our financial affairs that everyone can appreciate.
But when you have only fair credit, it can be hard to find a card that meets your needs and is affordable. The links to the left provide the information that you need to be able to make an informed decision about the card that is right for you.
Credit Cards for Fair Credit is proud to be a website specifically focused on fair credit without trying to actually sell credit cards. This is an indication of the objectivity and quality of the information found here. While other websites are designed to push a particular card or credit repair services, Credit Cards For Fair Credit .org is intended as a resource for providing objective information.
The articles on this page are provided in order to inform those who are looking for consumer finance information:
• The History of Credit Cards — Helps consumers understand the history of credit cards to show that credit cards, while convenience, have not always been a mandatory part of consumer finance.
• How Has Credit Grown — Shows the burden that consumers are under since the credit card explosion that occurred approximately two decades ago.
• What is an appropriate interest rate for someone with fair credit? – Answers the common question of what is a fair interest rate for a consumer with fair credit.
• What is the difference between fair credit and poor credit? – Helps consumers know based on their credit score how to describe their credit.
Most credit scores – including the FICO score and the latest version of the VantageScore – operate within the range of 301 to 850. Within that range, there are different categories, from bad to excellent.
• Excellent Credit: 781 – 850
• Good Credit: 661-780
• Fair Credit: 601-660
• Poor Credit: 501-600
• Bad Credit: below 500
The Credit Score Range Using Various Scoring Models:
• FICO Score range: 300-850
• VantageScore 3.0 range: 300–850
• VantageScore scale (versions 1.0 and 2.0): 501–990
• PLUS Score: 330-830
• TransRisk Score: 100-900
• Equifax Credit Score: 280–850