What Do My Credit Score Numbers Mean?

550? 725? 680? What does your credit score mean? In this chart, we take a look at what goes into having excellent, very good, good, fair, bad and very bad credit.

See what your credit score tells lenders and where you can improve. This useful guide to credit scores, compiled by Credit.com’s Credit Experts, is based on the most common credit scoring range used by FICO.

Of course these are generalizations with almost as many exceptions as rules, but it provides a useful guide for any consumer.

If you’re trying to build — or maintain — your credit, it helps to monitor it regularly, along with your credit reports, to check your progress and look for areas you need to work on. You can obtain your credit reports for free from each of the three major credit reporting agencies once a year through AnnualCreditReport.com. And you can get your credit score for free once a month using Credit.com’s Free Credit Report Card.

Quality Late payments, collections, public records Credit utilization

(balance/limit ratio)

Length of credit history New accounts & Inquiries Rates qualifying for Score range
Excellent None 1% – 10% Long None Lowest 800+
Very good None 1% – 10% Medium to long Very few Lowest 750-800
Good None recently 10% – 25% Medium Few Low to medium 700-750
Fair Recently, but not currently 25% – 50% Short to medium More than a few Low to medium 650-700
Bad Currently and in the past 50% – 75% Short Too many Medium to high 600-650
Very bad Currently and in the past 75% – 100%+ Short Too many High Below 600

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