Whether it’s getting a new apartment, car, new job—or just peace of mind—your credit score affects a lot. And it’s in your hands to build it.
Join millions of Cleo subscribers
Thanks to Cleo they helped me raise my credit score by 655 points! My score was terrible and needed some help.1
My credit score has gone up and so has my bank account.
Landlords and leasing agents often run credit checks. In some cases, a low credit score could mean paying a larger deposit or being disqualified from certain properties.2
Working on your score could increase your chances of securing your next place on your terms.
The difference between good and bad credit? Thousands in interest.
Someone with a score below 500 could face an average used car loan rate of 21.55%, compared to 7.41% for someone above 780.3
Some employers might run a credit check as part of the hiring process.4
A poor credit score won’t automatically disqualify you, but improving it could help avoid red flags and boost your confidence during background checks.
Your credit score is your financial foundation. Studies show that improving your credit score is linked to lower financial stress.5
Working on it now = peace of mind in the long run.
Just a smarter way to work on your score.
The Cleo Card is issued by WebBank, Member FDIC pursuant to a license from Visa USA Inc. Access to the Card is subject to approval.
The Cleo Credit Builder subscription offers saving goals, hacks, challenges, APY on savings, credit score insights, cash advances if eligible, credit history, and priority support.
1Review provided by Customer to Cleo AI Ltd d/b/a Cleo. Individual results may vary.
2Source: What do landlords look for in a credit check?, Experian, https://www.experian.com/blogs/ask-experian/what-landlords-look-for-credit-check/
3Source: Average Car Loan Interest Rates by Credit Score, Experian, https://www.experian.com/blogs/ask-experian/average-car-loan-interest-rates-by-credit-score/
4Source: Consumer Financial Protection Bureau, Applying for a job? It’s important to know what goes into your background screening reports, https://www.consumerfinance.gov/about-us/blog/applying-job-its-important-know-what-goes-your-background-screening-reports/
5Source: NFCC, How a poor credit score can affect your mental health, https://www.nfcc.org/blog/how-your-credit-score-can-affect-your-mental-health/