Your credit score is a three-digit number between 300 and 850 that summarizes your credit history into a single, lender-readable signal. The higher your score, the less risky you appear to lenders — which means lower interest rates, better terms, and more access to credit. Here's what every range means.
The FICO Credit Score Scale
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
Exceptional (800–850)
You're in the top tier. Lenders will offer you their best rates on mortgages, auto loans, and credit cards. You'll face no trouble qualifying for any credit product and will receive premium rewards card offers. About 21% of Americans fall into this range.
Very Good (740–799)
Near the top. You'll qualify for excellent rates — often within 0.25% of what exceptional borrowers receive. Most premium credit cards are accessible, and mortgage lenders will view you favorably. This is a great target for most people.
Good (670–739)
The average American falls here. You'll be approved for most credit products at competitive (but not the best) rates. A mortgage is absolutely accessible, though your rate will be slightly higher than the top tiers. This is where most people should aim if they're currently in the Fair range.
Fair (580–669)
Lenders see you as a moderate risk. You can still get approved for credit cards, auto loans, and personal loans — but expect higher interest rates and lower credit limits. Mortgage approval is possible (FHA loans are available from 580) but expensive. Building your score into the Good range should be a top priority.
Poor (300–579)
Approval for mainstream credit products is difficult. You'll likely need secured credit cards, credit-builder loans, or a co-signer to access credit. Focus on the fundamentals: on-time payments, paying down any existing balances, and disputing errors on your report.
FICO vs. VantageScore
There are two main credit scoring models. FICO® is used by 90% of top lenders for actual lending decisions. VantageScore is used by free monitoring services like Credit Karma. Both run on the 300–850 scale but calculate differently — your VantageScore may be different from your FICO score, sometimes by 20–50 points. For mortgage and major loan applications, your FICO score is what matters.
How to Check Your Score for Free
You can check your FICO score for free through Experian's free tier, Discover (if you're a cardholder), or many major banks and credit unions. For all three bureau FICO scores, myFICO offers the most complete picture. For ongoing monitoring of your general credit health, Credit Karma is free and effective.