Fair Credit APR Watch: September Soft Signals

Recent CFPB monitoring notes that average offered rates for cards targeting scores between 500 and 700 have remained stable, but a few issuers are tweaking risk models to reflect softer delinquency trends observed over the summer.

The three major bureaus—Experian, Equifax, and TransUnion—report slight upticks in on‑time payment percentages among this cohort, which some lenders interpret as a signal to consider marginally more competitive pricing.

While these changes are modest, UnlockMyScore reminds readers that any APR adjustment is provisional and depends on individual credit profiles.