Scribe pay rate

Sep 14, 2023 · The average medical scribe salary in the United States is $30,045. Medical scribe salaries typically range between $23,000 and $38,000 yearly. The average hourly rate for medical scribes is $14.44 per hour. Medical scribe salary is impacted by location, education, and experience.

9%. above national average. Average $17.21. Low $13.77. High $21.52. Non-cash benefit. 401 (k) View more benefits. The average salary for a medical scribe is $17.21 per hour in Illinois. 345 salaries reported, updated at September 7, 2023.These charts show the average base salary (core compensation), as well as the average total cash compensation for the job of Medical Scribe in the United States. The base salary for Medical Scribe ranges from $31,693 to $41,867 with the average base salary of $38,043. The total cash compensation, which includes base, and annual incentives, can ...The estimated total pay for a Scribe at Vituity is $35,372 per year. This number represents the median, which is the midpoint of the ranges from our proprietary Total Pay Estimate model and based on salaries collected from our users. The estimated base pay is $35,372 per year. The "Most Likely Range" represents values that exist within the 25th ...Done by professionals. Delivery in 4h+. Fastest turnarounds in the industry. From $1.75/min. Affordable rates. Stress-free. No transcriber management. Flexible. Scale and downscale volumes. If you’ve got money to invest and you’re considering a money market account, you need to know about current money market rates and other key details. A money market account essentially works like a savings account but pays a higher interest...Job Listings. Employers. $10.66. / hour. Avg. Base Hourly Rate ( USD) 10% $9.68. MEDIAN. $10.66. 90% $14.34. The average hourly pay for a Medical Scribe is …Rates of pay Social and community services employee - Full-time & part-time Table 1 of 3 Classification Weekly pay rate Hourly pay rate Saturday Sunday Public holiday Afternoon shift Night shift Level 1 - pay point 1 $930.70 $24.49 $36.74 $48.98 $61.23 $27.55 $28.16The average salary for a medical scribe is $13.12 per hour in Texas. 1.3k salaries reported, updated at October 21, 2023. Is this useful? Maybe. Salaries by years of experience in Texas. Years of experience Per hour; Less than 1 year-1 to 2 years-3 to 5 years: $14.38: 6 to 9 years-

The pay will be the same. Some people complain about the abysmal pay rate and for a good reason! It’s safe to assume the average transcriber will take more than half an hour to transcribe these 6-minute audio files. That means your wage will be approximately $1.2 per hour. Let’s assume you will earn on average $1.2 per hour, and work 5 days ... above national average. Average $20.96. Low $15.97. High $27.51. Non-cash benefit. 401 (k) View more benefits. The average salary for a medical assistant is $20.96 per hour in California. 15.1k salaries reported, updated at October 19, 2023. Is this useful?A Remote Medical Scribe in your area makes on average $17 per hour, or $0.85 (51.370%) more than the national average hourly salary of $16.45. Virginia ranks number 18 out of 50 states nationwide for Remote Medical Scribe salaries. To estimate the most accurate hourly salary range for Remote Medical Scribe jobs, ZipRecruiter continuously scans ...How much does a Scribe make? Updated Sep 27, 2023 Experience All years of Experience All years of Experience 0-1 Years 1-3 Years 4-6 Years 7-9 Years 10-14 Years 15+ Years Industry All industries All industries Legal Aerospace & Defense Agriculture Arts, Entertainment & Recreation Pharmaceutical & Biotechnology Management & Consulting99% accuracy. Done by professionals. Delivery in 4h+. Fastest turnarounds in the industry. From $1.75/min. Affordable rates. Stress-free. No transcriber management. Flexible.These are independent contracting roles with a starting pay rate of $10 per hour. DeepScribe offers 3-hour shifts, flexible scheduling, and a paid training bonus. Experienced medical scribes earn a starting wage of $12-$14 per hour. 3.6 star rating on Glassdoor.com; 3. iScribeHealth. iScribeHealth hires virtual medical scribes at a rate of …22,700 ZAR. Average Salary 2022. +3%. 23,400 ZAR. Percentage increase and decrease are relative to the previous value. Salaries for individuals working as Medical Scribe in South Africa are on the rise in the year 2023 based on …Hourly mean wage Annual mean wage ; Nursing Care Facilities (Skilled Nursing Facilities) 447,940: 33.35 $ 16.90 $ 35,160: Continuing Care Retirement Communities and Assisted Living Facilities for the Elderly: 140,910: 16.02 $ 16.41 $ 34,130: Specialty (except Psychiatric and Substance Abuse) Hospitals: 27,270: 10.07 $ 18.64 $ 38,780

Regular Member - Annual Rates of Pay; Regular Member - Annual Rates of Pay Constable (Cst.) Effective Date Step 1 Step 2 Step 3 Step 4 Step 5; 2016-04-01: 53,144 Footnote 2: 69,049 Footnote 3: 74,916 Footnote 4: 80,786 Footnote 5: 86,110 Footnote 6: 2017-04-01: 54,074 Footnote 2: 70,257 Footnote 3: 76,227 Footnote 4: 82,200 Footnote …The average hourly wage (pay per hour) for individuals working as Medical Scribe in Cairo is 43 EGP.This is the rate they get paid for every worked hour. Hourly Wage = Annual Salary / ( 52 x 5 x 8 ) About The Hourly Pay Rate. The hourly wage is the salary paid in one worked hour.When you borrow money from a bank, credit union or online lender and pay them back monthly with interest on a set term, that’s called a personal loan. Choose a personal loan that best fits your situation and compare rate offers from differe...If your state minimum wage is 12.50$ you’ll get they. Ex Massachusetts has high minimum wage but Florida has low minimum wage. I live in California and my pay is $15.60 and I get $2 every year as a raise. You must not work for scribe America cuz each year is a 2% raise and 2% of 15.60 is like .30. If you’re planning on international travel, one of the essential things to plan for is the currency. While some countries allow people to pay in United States dollars, it’s best to have local currency on hand. There’s plenty of options avai...

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Scribe America starts at $8/hr and then you get bumped up a little but not by much once training is over. I know they just took some pay cuts too. The person who said they got paid $17.50 is a huge outlier, I’ve never heard anyone else get paid that much for scribing. Do something else, scribing sucks in a lot of ways.Salary in. Ohio. Change City. How much does a Medical Scribe make in Ohio? The average Medical Scribe salary in Ohio is $37,311 as of September 25, 2023, but the range typically falls between $31,083 and $41,062. Salary ranges can vary widely depending on the city and many other important factors, including education, …As of Sep 7, 2023, the average hourly pay for an Emr Scribe in the United States is $16.45 an hour. While ZipRecruiter is seeing hourly wages as high as $23.08 and as low as $8.65, the majority of Emr Scribe wages currently range between $13.46 (25th percentile) to $18.99 (75th percentile) across the United States.The average hourly wage (pay per hour) for individuals working as Medical Scribe in India is 140 INR.This is the rate they get paid for every worked hour. Hourly Wage = Annual Salary / ( 52 x 5 x 8 ) About The Hourly Pay Rate

A person working as Medical Scribe in United States typically earns around 68,800 USD.Salaries range from 35,100 USD (lowest) to 106,000 USD (highest).. Salary Variance. This is the average salary including housing, transport, and other benefits. Medical Scribe salaries in United States vary drastically based on experience, skills, gender, or location.The average Scribe America hourly pay ranges from approximately $16 per hour for a Medical Scribe Ambassador to $62 per hour for a Physician Assistant. Scribe America employees rate the overall compensation and benefits package 1.9/5 stars.The average annual salary of Scribe is estimated to be approximate $116,028 per year. The majority pay is between $102,238 to $130,902 per year. Visit Salary.com to find out …The average hourly wage for an Ophthalmic Technician/Scribe in the United States is $25 as of September 25, 2023, but the range typically falls between $22 and $29. Hourly rate can vary widely depending on many important factors, including education, certifications, additional skills, the number of years you have spent in your profession.Sep 14, 2023 · The average medical scribe salary in the United States is $30,045. Medical scribe salaries typically range between $23,000 and $38,000 yearly. The average hourly rate for medical scribes is $14.44 per hour. Medical scribe salary is impacted by location, education, and experience. Sep 27, 2023 · Scribe America employees rate the overall compensation and benefits package 1.9/5 stars. What is the highest salary at Scribe America? The highest-paying job at Scribe America is a Physician Assistant, PA-C with a salary of $112,371 per year. The average salary for a medical scribe is $17.88 per hour in Canada. 33 salaries reported, updated at October 12, 2023. Is this useful? Maybe. Top companies for Medical Scribes in Canada. Aquity Solutions. 3.8. 591 reviews 7 salaries reported. $16.35 per hour. Aquity Canada ULC. 3.3. 6 reviews 9 salaries reported.Relaxed and Flexible. Scribe (Current Employee) - Oregon - September 26, 2023. The company is flexible with the schedule, allowing last minute changes to free up days for med school interviews. The providers are great to work with and if there is an issue, the company quickly resolves it.above national average. Average $20.96. Low $15.97. High $27.51. Non-cash benefit. 401 (k) View more benefits. The average salary for a medical assistant is $20.96 per hour in California. 15.1k salaries reported, updated at October 19, 2023. Is this useful?Most Likely Range. The estimated total pay for a Medical Assistant and Scribe is $43,217 per year in the United States area, with an average salary of $40,692 per year. These numbers represent the median, which is the midpoint of the ranges from our proprietary Total Pay Estimate model and based on salaries collected from our users.

Happy Scribe has an overall rating of 4.6 out of 5, based on over 39 reviews left anonymously by employees. 100% of employees would recommend working at Happy Scribe to a friend and 85% have a positive outlook for the business. This rating has decreased by -5% over the last 12 months.

Average ScribeAmerica Medical Scribe hourly pay in the United States is approximately $11.92, which is 18% below the national average. Salary information comes from 3,224 data points collected directly from employees, users, and past and present job advertisements on Indeed in the past 36 months. Please note that all salary figures are ...The estimated total pay for a ER SCRIBE is $69,939 per year in the United States area, with an average salary of $66,242 per year. These numbers represent the median, which is the midpoint of the ranges from our proprietary Total Pay Estimate model and based on salaries collected from our users. The estimated additional pay is $3,698 …The average hourly pay for a Medical Scribe at ScribeAmerica is $10.66 in 2023. Visit PayScale to research medical scribe hourly pay by city, experience, skill, employer and more.PHP 1M. The estimated salary for a Medical Scribe is PHP 1,200,000 per year in the Manila, Philippines area. This number represents the median, which is the midpoint of the ranges from our proprietary Total Pay Estimate model and based on salaries collected from our users. The "Most Likely Range" represents values that exist within the …Occupational Employment and Wages, May 2022 31-9094 Medical Transcriptionists Transcribe medical reports recorded by physicians and other healthcare practitioners using various electronic devices, covering office visits, emergency room visits, diagnostic imaging studies, operations, chart reviews, and final summaries.The average hourly pay for a Medical Scribe with Transcription skills is $14.75 in 2023. Visit PayScale to research medical scribe hourly pay by city, experience, skill, employer and more. The estimated total pay for a ER Medical Scribe is $43,204 per year in the United States area, with an average salary of $40,506 per year. These numbers represent the median, which is the midpoint of the ranges from our proprietary Total Pay Estimate model and based on salaries collected from our users. The estimated additional pay is …Oct 11, 2023 · The estimated total pay for a Scribe is $41,635 per year in the United States area, with an average salary of $38,899 per year. These numbers represent the median, which is the midpoint of the ranges from our proprietary Total Pay Estimate model and based on salaries collected from our users. The estimated additional pay is $2,736 per year.

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Telescribe (Current Employee) - California - October 4, 2021. Low pay with disorganized yet demanding management. Provider interactions are nice and a lot can be learned, but I'd rather just work directly for a clinic. Pros. Learning, healthcare experience. Cons. Low pay, little job stability, unstable hours.The average hourly pay for a Medical Scribe with Transcription skills is $14.75 in 2023. Visit PayScale to research medical scribe hourly pay by city, experience, skill, employer and more. I get $10/hour. I’ve heard of private scribes getting up to $15/hour here. Now keep in mind cost of living is pretty low here. Reply. thinkz •. Additional comment actions. Scribeamerica charges somewhere in the range of 25-30$ per scribe per hour. So asking 16-20 is a reasonable start depending on your experience.Scribe Salary: Hourly Rate September 2023 United States. Yearly. Weekly. Hourly. $8.89 - $10.34. 8% of jobs. $10.34 - $11.78. 0% of jobs. $11.78 - $13.46. 11% of jobs. $13.94 is …Overview. Scribie offers a great opportunity to augment your income by transcribing audio files for us. The work involves listening to the audio files and typing it as accurately as possible. The job is fully remote and you can choose your files. We pay by the length of the audio file and the pay rate varies from $5 per audio hour to $20 per ...Easy - upgrade your plan from your dashboard and pay with your bank card. If you need to discuss more payment options, contact us or press the chat button.Hello Rache was founded in 2017 by Dr. Mark Carnett, a family physician who has been using Healthcare Virtual Assistants in his practice since 2015. Our Healthcare Virtual Assistants work with doctors and other medical professionals based in the USA. We help our clients improve workflow, save time, and remove the burden of in-room documentation.$15.97 Average $15.97 Low $11.58 High $22.02 Non-cash benefit 401 (k) View more benefits The average salary for a medical scribe is $15.97 per hour in the United States. 9.3k salaries reported, updated at October 21, 2023 Is this useful? Maybe Salaries by years of experience in the United StatesThe average hourly pay for a Medical Assistant is $17.22 in 2023. Hourly Rate. $13 - $22. Bonus. $101 - $2k. Profit Sharing. $174 - $4k. Commission. $103 - $15k.The unemployment rate for medical scribes between 2008 and the most recent data has varied, according to the Bureau of Labor Statistics. Unemployment rate; ... Medical scribes earn the most in Massachusetts, where the average medical scribe salary is $39,903. The map here shows where medical scribes earn the highest salaries in the …Purpose-built, simple, compliant accounting for town and parish councilsThe average hourly wage (pay per hour) for individuals working as Medical Scribe in Spain is 12 EUR.This is the rate they get paid for every worked hour. Hourly Wage = Annual Salary / ( 52 x 5 x 8 ) About The Hourly Pay Rate. The hourly wage is the salary paid in one worked hour. ….

The average Proscribe salary ranges from approximately $33,713 per year for a Medical Scribe to $87,475 per year for an Account Manager. The average Proscribe hourly pay ranges from approximately $16 per hour for a Medical Scribe to $30 per hour for an Implementation Trainer. Proscribe employees rate the overall compensation and benefits ...The average yearly salary for a medical scribe in Los Angeles is $30,448, and in Sacramento, it is $33,085. In Oregon, the average is above $12 per hour with medical scribes earning between $9 and $15 per hour. In Portland, OR a medical scribe can expect to earn an average annual salary of $32,338 and in Eugene, the average is $30,088.Sep 27, 2023 · The estimated total pay for a Remote Medical Scribe is $42,064 per year in the United States area, with an average salary of $39,545 per year. These numbers represent the median, which is the midpoint of the ranges from our proprietary Total Pay Estimate model and based on salaries collected from our users. Average : ₹10,652 Range : ₹5,497 - ₹54,345. The average salary for Medical Scribe is ₹43,613 per month in the India. The average additional cash compensation for a Medical Scribe in the India is ₹10,652, with a range from ₹5,497 - ₹54,345. Salaries estimates are based on 180 salaries submitted anonymously to …Average : ₹10,652 Range : ₹5,497 - ₹54,345. The average salary for Medical Scribe is ₹43,613 per month in the India. The average additional cash compensation for a Medical Scribe in the India is ₹10,652, with a range from ₹5,497 - ₹54,345. Salaries estimates are based on 180 salaries submitted anonymously to …As of Sep 13, 2023, the average hourly pay for a Remote Scribe in the United States is $16.45 an hour. While ZipRecruiter is seeing hourly wages as high as $23.08 and as low as $8.65, the majority of Remote Scribe wages currently range between $13.46 (25th percentile) to $18.99 (75th percentile) across the United States.The estimated total pay for a Ophthalmic Scribe is $43,423 per year in the United States area, with an average salary of $41,147 per year. These numbers represent the median, which is the midpoint of the ranges from our proprietary Total Pay Estimate model and based on salaries collected from our users.How much does a Scribe make? Updated Sep 27, 2023 Experience All years of Experience All years of Experience 0-1 Years 1-3 Years 4-6 Years 7-9 Years 10-14 Years 15+ Years Industry All industries All industries Legal Aerospace & Defense Agriculture Arts, Entertainment & Recreation Pharmaceutical & Biotechnology Management & Consulting Scribe pay rate, Employers $14.49 / hour Avg. Base Hourly Rate ( USD) 10% $10.20 MEDIAN $14.49 90% $19.24 The average hourly pay for a Medical Scribe is $14.49 in 2023 Hourly Rate $10 - $19 Bonus $54 - $1k..., I got minimum wage, $7.25/hr during training and $8.25 after training with a 1 hour commute each way. Also it's not that scribe pay is low it's that 3rd party non-profits like ScribeAmerica takes a big bite out of the price. Edit: Forgot to mention that my friend working as a scribe makes $20/hr from a private practice., The salary schedules listed do not include a UQ superannuation contribution to UniSuper.. On costs are also not included in the below salary schedules and can be calculated using the On costs for staff appointments calculator.. …, $15.97 Average $15.97 Low $11.58 High $22.02 Non-cash benefit 401 (k) View more benefits The average salary for a medical scribe is $15.97 per hour in the United States. 9.3k salaries reported, updated at October 21, 2023 Is this useful? Maybe Salaries by years of experience in the United States, below national average. Average $12.84. Low $9.66. High $17.07. Non-cash benefit. 401 (k) View more benefits. The average salary for a medical scribe is $12.84 per hour in Ohio. 185 salaries reported, updated at July 18, 2023. Is this useful?, Oct 16, 2023 · Average ScribeAmerica Medical Scribe hourly pay in the United States is approximately $11.92, which is 18% below the national average. Salary information comes from 3,224 data points collected directly from employees, users, and past and present job advertisements on Indeed in the past 36 months. , Are you tired of paying for expensive word document programs? Do you want to find a free alternative that can meet all your document creation needs? Look no further. In this article, we will introduce you to some of the best free word docum..., As of Oct 3, 2023, the average hourly pay for a Medical Scribe in Michigan is $13.65 an hour. While ZipRecruiter is seeing salaries as high as $20.96 and as low as $7.86, the majority of Medical Scribe salaries currently range between $12.21 (25th percentile) to $17.26 (75th percentile) in Michigan. The average pay range for a Medical Scribe ..., Average Salaries at ScribeAmerica. Care Navigator. $18.71 per hour. Emergency Room Technician. $17.43 per hour. Engineer. $35,889 per year. Junior Project Leader., Sep 27, 2023 · The estimated total pay for a Medical Scribe at Scribe America is $16 per hour. This number represents the median, which is the midpoint of the ranges from our proprietary Total Pay Estimate model and based on salaries collected from our users. The estimated base pay is $16 per hour. The "Most Likely Range" represents values that exist within ... , If your state minimum wage is 12.50$ you’ll get they. Ex Massachusetts has high minimum wage but Florida has low minimum wage. I live in California and my pay is $15.60 and I get $2 every year as a raise. You must not work for scribe America cuz each year is a 2% raise and 2% of 15.60 is like .30., Average rates per minute of translated audio. Our most common European language pairings are paid at 3€/min to 4€/min for translation, while less common European languages, as well as Asian and African languages, are paid at up to 8€/min. Did this answer your question? , Understanding your National Grid electric rate can be a daunting task, but it doesn’t have to be. Knowing how much you pay for electricity and what factors influence that cost is important for budgeting and making sure you’re getting the be..., Sep 27, 2023 · The estimated total pay for a Medical Scribe at CITYMD is $19 per hour. This number represents the median, which is the midpoint of the ranges from our proprietary Total Pay Estimate model and based on salaries collected from our users. The estimated base pay is $19 per hour. The "Most Likely Range" represents values that exist within the 25th ... , The number of medical scribes in the country has grown from about 7,000 in 2014 to nearly 17,000 today, according to the American College of Medical Scribe Specialists. Lam works nearly 40 hours a ..., Done by professionals. Delivery in 4h+. Fastest turnarounds in the industry. From $1.75/min. Affordable rates. Stress-free. No transcriber management. Flexible. Scale and downscale volumes. , The estimated total pay for a Medical Scribe at St. Joseph's Health is $38,639 per year. This number represents the median, which is the midpoint of the ranges from our proprietary Total Pay Estimate model and based on salaries collected from our users. The estimated base pay is $38,639 per year. The "Most Likely Range" represents …, Sep 27, 2023 · The average Proscribe salary ranges from approximately $33,713 per year for a Medical Scribe to $87,475 per year for an Account Manager. The average Proscribe hourly pay ranges from approximately $16 per hour for a Medical Scribe to $30 per hour for an Implementation Trainer. Proscribe employees rate the overall compensation and benefits ... , Average base salary. $15.90. Average $15.90. Low $11.54. High $21.91. Non-cash benefit. 401 (k) View more benefits. The average salary for a medical scribe is $15.90 per hour in the United States. 9.4k salaries reported, updated at October 7, 2023., The average hourly wage for a Medical Scribe in the United States is $18 as of September 25, ..., The average Scribe-X salary ranges from approximately $33,036 per year for a Medical Scribe to $33,036 per year for a Medical Scribe. The average Scribe-X hourly pay ranges from approximately $16 per hour for a Medical Scribe to $33 per hour for a Training Consultant. Scribe-X employees rate the overall compensation and benefits …, The average medical scribe gross salary in New York, United States is $40,009 or an equivalent hourly rate of $19. This is 9% higher (+$3,359) than the average medical scribe salary in the United States. In addition, they earn an average bonus of $636. Salary estimates based on salary survey data collected directly from employers and anonymous ..., Learn a lot but underplayed and overworked. Scribeamerica gives you great experience without any required certifications which is great. However expect crazy overnight hours and minimum wage pay. There is room for advancement but expect to wait a minimum of 2 years before getting promoted or a wage increase. , 401 Jobs 6K Salaries 750 Interviews 361 Benefits 11 Photos 1.3K Diversity + Add a Salary Scribe America Salaries How much do Scribe America employees make? Glassdoor has salaries, wages, tips, bonuses, and hourly pay based upon employee reports and estimates. The latest conversations about Healthcare Healthcare 13h a Director, A Remote Medical Scribe in your area makes on average $17 per hour, or $0.85 (51.370%) more than the national average hourly salary of $16.45. Virginia ranks number 18 out of 50 states nationwide for Remote Medical Scribe salaries. To estimate the most accurate hourly salary range for Remote Medical Scribe jobs, ZipRecruiter continuously scans ..., ScribeAmerica. Salaries. Average ScribeAmerica hourly pay ranges from approximately $8.94 per hour for Veterinary Technician to $24.22 per hour for Patient Transporter. The average ScribeAmerica salary ranges from approximately $19,000 per year for Project Manager to $111,812 per year for Director of Business Development. , 30,500 PHP. Average Salary 2021. +4%. 31,600 PHP. Average Salary 2022. +4%. 32,800 PHP. Percentage increase and decrease are relative to the previous value. Salaries for individuals working as Medical Scribe in Philippines are on the rise in the year 2023 based on recently submitted salaries and reports. , The pay will be the same. Some people complain about the abysmal pay rate and for a good reason! It’s safe to assume the average transcriber will take more than half an hour to transcribe these 6-minute audio files. That means your wage will be approximately $1.2 per hour. Let’s assume you will earn on average $1.2 per hour, and work 5 days ... , As of Oct 3, 2023, the average hourly pay for a Medical Scribe in Michigan is $13.65 an hour. While ZipRecruiter is seeing salaries as high as $20.96 and as low as $7.86, the majority of Medical Scribe salaries currently range between $12.21 (25th percentile) to $17.26 (75th percentile) in Michigan. The average pay range for a Medical Scribe ..., As of Oct 3, 2023, the average hourly pay for a Medical Scribe in Michigan is $13.65 an hour. While ZipRecruiter is seeing salaries as high as $20.96 and as low as $7.86, the majority of Medical Scribe salaries currently range between $12.21 (25th percentile) to $17.26 (75th percentile) in Michigan. The average pay range for a Medical Scribe ... , About us. Scribe, a pioneer in the transcription and legal support services was established since 2009. Established by a team of legal and business professionals, our mission is to provide accurate, affordable and dependable transcription services anchored by uncompromising quality. We provide transcribing services in English and Bahasa Malaysia., Coding Specialist. Medical Transcriptionist. Virtual Scribe. See all job titles at Aquity Solutions. Healthcare. Employee Reviews. 528 reviews from Aquity Solutions employees about Aquity Solutions culture, salaries, benefits, work-life balance, management, job security, and more., Your credit score is important to lenders, as it helps them assess you as a credit risk, but it’s important to you, too, because it ultimately determines the interest rates you pay on credit cards and loans. While I knew this in my early tw...