The credit score is a complicated and nuanced formula based on the credit reports of thousands of different individuals. Fair Isaac's FICO score is the most commonly used credit score. The FICO score is used by lenders to discern the likelyhood that an individual looking for a loan with be 90 days late at any point of their loan re-payment. The chart below shows what can happen to your monthly payments on a $250,000 mortgage if you are able to improve your FICO score.

     The average FICO score in the United States is now 705. If you are able to raise your score from the US average the 20 points in 4 months Credit Savvy guarantees, you would save yourself, depending on your individual loan, around $85 a month. Over 30 years that is over $20,000.