If you have a good credit score, take advantage of these 3 perks

div > div.group > p:first-child"> Many creditors use the FICO or VantageScore scoring systems, which combine financial data collected from major credit bureaus Equifax, Experian and TransUnion to determine your score. Each system ranges from a low of 300 to a high, or "perfect," score of 850.

High interest rates have led some people, like billionaire entrepreneur Mark Cuban, to ditch plastic altogether: As Cuban puts it,"the money I save on interest by not having debt is better than any return I could possibly get by investing that money in the stock market." "Car insurance companies generally check credit scores to assess the likelihood of claims," reports GOBankingRates."Contact your current provider, and others, to see what kind of premium rate reductions you can get with your impressive score."

While it's up to the lender to determine the specific interest-rate parameters attached to a home loan, for example, the difference of a few points on your credit score could add up. That's why personal finance expert Suze Orman suggests you aim for a score of 740 or above in order to get the best deal before you buy.

MakeIt What if you have a bad credit score? Any perks for that?

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