As you know, your credit score determines your access to loans for things like cars, homes, and education. Anyone with a score of 800 or higher (20% of consumers) are considered to have excellent credit, while a score between 580-669 is deemed to be fair/poor (18% of consumers) and also called subprime. Scores at 740-799 (25% of consumers) are considered very good and are likely to receive better than average rates from lenders, but don’t worry if you’re not…