The Path to Progress

Tailored & actionable steps to a 700 credit score.

  • FAST: Takes only 2 minutes
  • FREE: No cost and no credit card needed for sign-up.
  • A path to better interest rates, loans, and credit cards.

Your path to
better credit
starts here

How the Path to Progress works

  • Answer 10 simple questions about your current credit situation
  • Receive tailored actions that you can do
  • Grow your credit score to 700
  • Qualify for cheaper, better, and wealth-building credit

Our Expertise

We’ve reviewed millions of credit reports from credit bureaus. Because our credit experts have reviewed millions of credit reports, compared them to each other, and viewed credit files over time, we know how credit scores work. Our goal is to give you actionable ideas to improve your credit.


You will receive an email with up to 5 things that you can do to improve your credit. Each item will include the following items:

  • Why you are receiving this item
  • Ideas for how to accomplish it
  • The estimated point benefit you could get for completing it


It’s really that simple. We want it to be easy to make progress. When you get those things done, feel free to come back and get another report based on updated information.

Through years of data analytics, we have been able to uncover the specific triggers that affect credit scores at each credit score band. Our analysis has included several specific datasets, including, millions of anonymized credit files from different years (so we could see whether the models were changing over time) as well as millions of credit accounts that included reports every two months. We could actually see what changes people made and how those changes affected the credit score.
We try to get the reports back to you within three business days. But this report is free and is a labor of love for our credit analysts. Occasionally, heavy volume makes this difficult, but we try to send out emails to let you know we are still working on them if we think it will take us longer than expected.
Yes, we love it when people include specific questions for our credit experts because it gives them a chance to give you information that is important for you. At the end of the questionnaire, there will be a field where you can ask a specific question. You can also reply to the email report and we will respond directly to the email.

Our (Obligatory) Disclaimer

The Yukon Project is not a credit repair agency. We do not accept compensation for the Path to Progress report. We cannot and will not take any actions on your behalf.

We may offer recommendations for new credit products which can be accessed through The Yukon Project may be compensated if you obtain a lending product from their site. The products recommended will be done only in the interest of improving your financial standing. You are under no obligation to acquire any recommended products or to use TheYukon Project to acquire the products that are recommended.

Additionally, our experts will assume that the answers accurately represent your current situation. The advice we give will be dependent on the accuracy of your answers. We will assume your credit report is accurate and will not recommend any actions for disputing information on your credit report. If you believe that information on your credit report is inaccurate, please refer to our guide on how to dispute these items yourself.

Credit Score FAQ's

A good credit score typically ranges between 700 and 850. We consider these good credit scores because they are high enough to qualify for whatever forms of credit that you might be looking for. However, it’s important to note that different lenders may have their own criteria and standards for evaluating creditworthiness.
Having a good credit score is important when applying for loans, credit cards, or other forms of credit. Credit score can also play a role in whether you get insurance and the rate you might pay. It can also determine whether a landlord would approve your application for an apartment. A higher credit score indicates to lenders and other people you might have financial dealings with that you are more likely to repay your debts responsibly, making you a lower risk borrower. This can lead to more favorable interest rates, higher credit limits, and better loan terms.

Absolutely, many people with collections have a credit score over 700. But it depends on the specific details of your credit history. Collections can have a significant negative impact on your credit score, as they indicate that you have had difficulties in repaying your debts. However, the impact on your score can vary depending on the amount of the collections, the number of collections, and most importantly, how recent they are. More collections accounts, newer collections accounts, and higher dollar amounts owed will have a larger negative effect than a single, old or small dollar collection.

What’s more important to your credit score is your recent payment history. You need to have at least 3 accounts that have been open, active, and had on-time payments for at least 12 months.

Your credit score is just one of several factors that lenders consider when determining how much you can borrow. While a credit score of 700 is considered a good credit score, the specific loan amount you can borrow will depend on other factors as well, like your income, debt-to-income ratio, employment history, the purpose of the loan, and the lender’s criteria.

The good thing about a credit score of 700 is that you are unlikely to be denied a loan based on your credit worthiness. A credit score of 700 typically suggests that you have demonstrated responsible credit management and are considered to be a lower credit risk compared to borrowers with lower scores.

Most companies that offer personal loans will give you a firm offer of credit based only on your application and a soft credit inquiry. This would give you a clear idea of whether you would be approved and how much they would be willing to offer you. If you accept the offer, the company would then conduct a hard inquiry on your report and issue you the loan. If you would like to see if you could be approved with several lenders at once, you can use our loan finder tool.

The best place to get a free credit report is This is a federally-mandated website set up by the three big credit bureaus (Experian, Equifax, and TransUnion).

Improving your credit score can offer several advantages and benefits. Here are some compelling reasons why you might want to work on improving your credit score:

  1. Access to Better Credit Options: A higher credit score opens up doors to more favorable credit options. Lenders are more likely to offer you loans, credit cards, and other forms of credit with lower interest rates, higher credit limits, and better terms. This can save you money over time and make it easier for you to obtain the credit you need.
  2. Lower Interest Rates: With a good credit score, you are considered less of a risk to lenders, which can result in lower interest rates on loans and credit cards. Reduced interest rates mean lower monthly payments and less money spent on interest over the life of the loan. This can help you save a significant amount of money in the long run.
  3. Increased Chance of Loan Approval: Lenders often use credit scores as a key factor in evaluating loan applications. A higher credit score improves your chances of getting approved for loans, including mortgages, auto loans, and personal loans. It can be particularly crucial when applying for large loans or those with more stringent requirements.
  4. Rental and Housing Opportunities: Landlords and property management companies often consider credit scores when evaluating rental applications. A good credit score can enhance your chances of securing a desirable rental property or even negotiating more favorable lease terms.
  5. Insurance Premiums: Some insurance companies utilize credit to determine insurance premiums. By improving your credit, you may be eligible for lower insurance rates, potentially saving you money on auto, home, or other types of insurance.
  6. Employment Opportunities: In certain industries or job roles, employers may consider credit history as part of the hiring process. Better credit can help you stand out as a responsible and trustworthy candidate.
  7. Utilities and Services: When setting up utility services, such as electricity, water, or cable, some service providers may assess your credit. A good credit score may prevent the need for a security deposit or help you qualify for more favorable terms.
A credit score of 700 is considered a good credit score. It indicates that you have a relatively positive credit history and demonstrates responsible credit management. A credit score of 700 suggests that you are a lower credit risk to lenders compared to borrowers with lower scores. This means that a lender would be more inclined to lend you money because they would feel assured you would pay it back. Because people with a 700 credit score are more likely to pay a loan back, a lender would be able to afford offering you a lower interest rate.

It is important to have a prime credit score because it means you have displayed a responsible use of credit. There are several benefits people with prime credit scores get:

  • Lenders are more inclined to lend them money because they could be reasonably sure that the money would be repaid
  • Lenders will over lower interest rates because people with a 700 credit score are less likely to default on the loans
  • Landlords are more inclined to rent apartments because they aren’t afraid a tenet would not pay rent

Lenders consider a credit score of 700 to be a good credit score when it comes to buying a car. Obviously, lending criteria and other requirements will vary based on the lender and dealership, but companies are unlikely to deny an applicant with a credit score of 700 based on credit worthiness. A credit score of 700 indicates a low credit risk to lenders.

Here’s how a credit score of 700 can impact buying a car:

Loan Approval
With a credit score of 700, you have a higher likelihood of getting approved for an auto loan. Lenders typically consider a credit score of 700 as a positive factor when evaluating loan applications.

Interest Rates
A good credit score like 700 can help you secure more favorable interest rates on auto loans. Lenders are likely to compete for your business if your credit score is 700 or better. With lower interest rates, you can potentially save money over the term of the loan and have lower monthly payments. This can make the car more affordable and reduce the overall cost of financing.

Negotiating Power
A credit score of 700 strengthens your position when negotiating, even for the price of the car because dealers will have more confidence that you will be able to secure financing. And, they will want to lend you the money. You are also likely to have several lenders willing to lend you the money, so the would have to be competitive on interest rates.

Down Payment and Loan Amount
While a credit score of 700 may increase your chances of securing a loan, it could also allow you to get approved for more money. You might be able to secure a larger loan which would decrease the down payment you would require. (Of course, you may not want to increase your debt levels, but you are more likely to have that option with a prime credit score.)

Dealership Financing Options
Many car dealerships offer their own financing options for car purchases. With a credit score of 700, you may qualify for dealership financing programs that offer competitive rates and special promotions. Because the dealership can make money selling the car and servicing it after purchase, they are more likely to offer extremely competitive rates, like 0% financing. You would only qualify for these promotions if you had a strong credit score.

A credit score of 700 is generally considered a good credit score when it comes to buying a house. While lenders have different criteria and requirements, a credit score of 700 indicates responsible credit management and suggests that you are a lower credit risk.

Here’s how a credit score of 700 can impact buying a house:

Loan Approval
With a credit score of 700, you have a higher likelihood of getting approved for a mortgage. Lenders typically consider a credit score of 700 as a positive factor when evaluating loan applications. However, it’s important to note that lenders consider other factors such as income, employment history, and debt-to-income ratio when assessing mortgage applications.

Interest Rates
A good credit score like 700 can help you secure more favorable interest rates on your mortgage. A lower interest rate can mean tens of thousands of dollars in interest expense over the course of a loan. It can also mean the difference between an affordable and an unaffordable monthly payment.

Down Payment and Loan Options
While a credit score of 700 may increase your chances of securing a mortgage, other factors such as your down payment and loan options also come into play. Lenders may have different down payment requirements based on your credit score and loan program. It’s important to explore different loan options and consult with lenders to understand the specific requirements and options available to you.

Mortgage Insurance
If your down payment is less than 20% of the home’s purchase price, you may be required to pay for mortgage insurance. The cost of mortgage insurance can vary depending on your credit score and other factors. With a credit score of 700, you may have a more favorable premium rate for mortgage insurance compared to borrowers with lower credit scores.

Homeowners Insurance
First time home buyers are often surprised to learn that they could be denied a mortgage if they are unable to secure homeowners insurance prior to the sale. If the insurance carriers that offer homeowners insurance in your area have tighter underwriting requirements than the lender, you may find that you can’t qualify for the insurance necessary to get approved for the loan. This is unlikely to happen with a credit score of 700.
Also, if the sale has a tight approval window, a buyer might lose a house simply because securing homeowners insurance took too long to approve. A 700 credit score won’t eliminate an insurance carrier’s inefficient processes, but it would make the approval process easier, and likely quicker.

Loan Terms and Conditions
Lenders may offer more favorable terms and conditions, such as a lower down payment requirement or a more flexible loan structure, to borrowers with good credit scores like 700. This can provide you with more options and flexibility when it comes to financing your home purchase.

It’s important to remember that while a credit score of 700 is generally considered good, lenders consider multiple factors when evaluating mortgage applications. It’s advisable to shop around, compare loan offers from different lenders, and consider the overall affordability of homeownership within your budget. Additionally, improving other aspects of your financial profile, such as reducing existing debts and maintaining a stable income, can further enhance your chances of obtaining a mortgage and securing favorable terms.

With a credit score of 700, you are likely to have a range of credit card options available to you. While specific credit card offerings and eligibility criteria can vary among issuers, a good credit score like 700 generally indicates responsible credit management and makes you an attractive candidate to lenders. You are likely to be approved for a range of cards including rewards cards, cashback cards, travel cards, and no annual fee cards.

However, credit score alone will not be enough to secure all types of cards. Some credit card companies require a history of responsible credit use, stable employment history, or other requirements. None of these things will ultimately matter, though, if your credit score isn’t high enough to even get through the first gate of credit worthiness.

If you’re looking for a credit card, see what you can get approved for with our credit card finder.