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Hello, and welcome to Nerdwad Smart Money Podcast, where we answer your real-world money questions in 15 minutes or less.

I'm your host, Sean Piles, and joining me as my co-host, Deana Yocum.

This week's question is from James in Oakland.

He says, hey nerds, I know it's important to have good credit and I finally got my credit score in the mid-700s.

What happens next? I think he means besides the edible arrangement that should have been delivered the

very moment he hit 700. Yeah, absolutely. This is a great question though. So much of a credit score

conversation is around getting it high.

And once you get into the 700s or higher, there are some serious perks here.

And here to tell us about how to get the most out of a high credit score is NerdWallet All-Star,

long-time columnist and certified financial planner, also the person who literally wrote the book,

Your Credit Score, Liz Weston.

Liz, we are so happy to have you on the Smart Money podcast. Also, we've been hyping you up a bit,

so expectations are kind of high. No pressure, right? Okay, fine. Not at all. No, I know you're going to knock this out of the ballpark. James is wondering what he can do now that he's improved his credit score.

But before we get into that, let's define the different ranges of score

and talk about what's considered, quote, unquote, a good score.

Yeah, it's important to know that every lender really has its own policies

...