📌 Key Takeaway: What is a good credit score? Our guide explains credit score ranges, what lenders look for, and how your score affects your financial life. Our editorial team has researched the top options to give you clear, actionable guidance for your financial decisions.
What Is a Good Credit Score?
Credit score ranges vary slightly by scoring model, but general benchmarks help you understand where your score stands and what it means for loan approval and rates.
FICO Score Ranges
| Range | Rating |
|---|---|
| 800-850 | Exceptional |
| 740-799 | Very Good |
| 670-739 | Good |
| 580-669 | Fair |
| 300-579 | Poor |
What Your Score Range Means Practically
Scores above 670 ("Good" and higher) generally access the most competitive rates and easiest approvals. Scores in the "Fair" range can still qualify for many products, though at higher rates. Below 580 significantly limits options.
You Don't Need a Perfect Score
Beyond roughly 740-760, additional score improvement typically provides diminishing returns on rates and approval odds — a "Very Good" score already accesses most of the best available terms.
📈 Credit Score Guides
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