Flex evaluates your eligibility using a variety of factors including your credit report information, your banking information, and other information about your payment history.

What is fair credit?

Fair credit generally refers to a credit profile that demonstrates responsible financial behavior but may have some areas for improvement. It typically includes:

1. A VantageScore in a reasonable range.
2. No outstanding collection balances on non-medical expenses.
3. A history of timely payments, with no significant delinquencies in recent years.
4. Moderate credit utilization, keeping revolving balances at a manageable level.
5. A balanced number of open credit accounts.
6. Limited recent credit inquiries.