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
How Does A Personal Loan Affect Your Credit Score In 2023?
A personal loan can positively impact your credit score by building positive payment history, diversify credit mix and lower credit utilization ratio.
Elizabeth Thorn
5-10 min
Creditscore
What Are The Benefits Of Having A Good Credit Score?
A good credit score can get you access to better interest rates for loans, qualify your for better credit cards and more.
Elizabeth Thorn
10 min
Creditscore
How Your Credit Score Impacts Your Financial Future In 2023
Check out the 7 ways that your credit score impact your financial future in 2023.
Elizabeth Thorn
5 min
Creditscore
Why Did My Credit Score Drop And How To Fix It
Has your credit score recently dropped significantly and you’re wondering what happened and how to fix it? Here's a complete guide.
Elizabeth Thorn
5-10 min
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
Creditscore
What Is A Good Credit Score To Buy A Car In 2023?
Read on for our comprehensive guide to understanding what credit score you’ll need to buy a car in 2023.
Elizabeth Thorn
10 min
Creditscore
Does Financing A Car Hurt My Credit Score?
Let's take an in-depth look at how financing a car affects your credit scores and explore ways to get the best loan.
Elizabeth Thorn
5 min
Creditscore
What Is A Good Credit Score?
This article helps you understand what a good credit score is and what affects your credit score.
Elizabeth Thorn
5 min
Creditscore
How To Read A Credit Report?
Here’s what you need to know about how to read a credit report and what to look for when you do so.
Elizabeth Thorn
5 min
Creditscore
How Does A Mortgage Pre-Approval Affect Your Credit Scores?
In this quick guide, we'll take a closer look at how going through the pre-approval process affects your personal credit history and offer helpful tips to make sure your financial standing stays strong throughout the entire process.
Elizabeth Thorn
5 min
Creditscore
What's The Highest Credit Score And How To Get It?
In this article, we will demystify the highest credit score possible, provide actionable tips on how to achieve it, and discuss the benefits of having an excellent credit score.
Nan-ha
5 min
Creditscore
What Is SYNCB/PPC On Your Credit Report?
Explore SYNCB/PPC's role in your credit report, learn how it impacts your credit score, and get expert advice for managing these accounts effectively.
Nan-ha
5 min
Creditscore
What Is FICO Score 8?
In this quick guide to FICO scores, we'll dive into the specifics of FICO Score 8 and discuss why it's important for anyone looking to build or maintain their credit score.
Elizabeth Thorn
5 min
Creditscore
What Is The Average Credit Score By Age In The US?
In this quick guide, we'll discuss the average credit score according to age groups within the US and provide actionable steps for improving your score.
Elizabeth Thorn
5 min
Creditscore
What Is A Good Credit Score To Buy A House?
Find out what why boosting your credit score can help you in buying a home.
Elizabeth Thorn
12 min to read
Creditscore
The Ultimate Guide To Starting The New Year With A Strong Credit Score
It's important to reflect on our past actions and make plans to improve our future. One of those important plans should be improving your credit score in 2024!
Elizabeth Thorn
10 min to read

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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.