Creditscore
How to Check My Credit Score (and Why It Might Matter More Than You Think)
Learn how to check my credit score for free, what affects it, and how Cheers Credit Builder can help you grow it while saving money- no credit card needed.
Vince Adriatico
5 minutes
Creditscore
What Is the Highest Credit Score and How Close Can You Get?
What is the highest credit score? Learn how to work toward a score of 850, explore new 2025 credit trends, and discover how small changes can lead to big financial wins—even if you’re starting with no credit.
Joyce Jiang
5 minutes
Creditscore
How Do I Build My Credit Score?
Wondering how do I build my credit score? Learn how to build your credit score from scratch or repair a low one. Discover smart tools like Cheers Credit Builder that report to all 3 bureaus.
Aimee Cheng
5 minutes
Creditscore
What Is a Good Credit Score?
A good credit score opens doors to better loan terms, lower rates, saving you money and even job opportunities.
Maxine Cheng
5 minutes
Creditscore
Different Types of Credit Scores & Why They Matter
Understand the different types of credit scores—FICO, VantageScore, and industry-specific—and why they matter for loans, jobs, and renting. Learn how tools like Cheers Credit Builder can help you build credit while saving.
Aimee Cheng
5 minutes
Creditscore
Does Adding A Credit Card Affect Your Credit Score?
Having access to extra funds can be beneficial and convenient, but just how will taking out a new line of credit affect your credit score? Let's explore!
Elizabeth Thorn
5 min

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© 2025 Cheers Financial Inc. All rights reserved. See Privacy Policy
Cheers is a financial technology company and not a bank. Banking services are provided by Sunrise Banks N.A. Your funds are FDIC insured up to $250,000 through Sunrise Banks, N.A., Member FDIC. Results are not guaranteed. Improvement in your credit score is dependent on your specific situation and financial behavior. Failure to make monthly minimum payments by the payment due date each month may result in delinquent payment reporting to credit bureaus, which may negatively impact your credit score. This product will not remove negative credit history from your credit report. All loans are subject to approval.
¹ Accelerated Reporting:

Accelerated reporting applies to the opening of your account, plus the first payment. Credit bureau reporting occurs monthly thereafter.
² APR Comparison & Affordability:

Cheers Interest is calculated using an amortized repayment schedule at a fixed 12.15% Annual Percentage Rate (APR). Comparable products may charge APRs up to 36%, according to publicly available terms. Cheers also charges no administrative or hidden fees.
³ Credit Score Impact:

Based on internal user survey data (2024), 95% of users with fair credit (580–669) saw a credit score increase of 20+ points after two months of on-time payments. Individual results may vary. Late or missed payments can negatively affect your credit.
⁴ No Hidden Fees:

There are no application fees, maintenance fees, or early cancellation penalties.
⁵ Cancel Anytime & Get Savings Back:

At the end of your term, your total savings (minus interest) is returned to you. You can cancel your account at any time without penalty.
⁶ FICO® Credit Factors:

According to FICO®, 35% of your credit score is based on payment history, and 10% is based on credit mix. Cheers reports every payment and adds a secured installment loan to your profile. Source: myFICO
⁷ Eligibility Criteria:

Must be at least 18 years old, have a valid U.S. bank account, and a Social Security Number. All accounts are subject to identity verification and consumer report review by the issuing bank, Sunrise Banks N.A., Member FDIC.