Credit Score FAQs
It depends on the credit scoring model but a good credit score is around 670 to 739.
Most credit scoring systems use a scale that ranges from 300 to There are some credit scoring models that go up to 900 or 950 but aren’t necessary to work your way up to a 900 credit score.
- Exceptional: 800 to 850
- Very good: 740 to 799
- Good: 670 to 739
- Fair: 580 to 699
- Poor: 300 to 579
You are entitled to one free copy of your credit report every 12 months. In order to have access to your free FICO score, you will need to be the primary account holder on a consumer card. Once you meet the eligibility requirements, you can view your free FICO® credit score from your online account.
With a 700 credit score, you can get cheap rates on financial products like loans and credit cards. A 700 credit score is also good enough to buy a house.
The most decent credit score to buy a car is at least 720.
According to FICO®, a poor credit score is between 300 to 579.
While there’s no exact answer to which credit score matters most, most lenders prefer FICO® Scores which are used in 90% of lending decisions.
Yes, it’s definitely fine! Checking your credit reports or credit scores will not impact your credit scores itself and it’s a good way to ensure the information is accurate.
