Answered from cited sources · retrieved September 20, 2026
what is a good credit score
A FICO score between 670 and 739 is generally considered good, while a good VantageScore typically ranges from 661 to 780.
While definitions vary, a FICO score between 670 and 739 is widely considered good. For VantageScore, a good score is generally between 661 and 780. Higher scores typically indicate lower risk to lenders, which can lead to better loan approval odds and more favorable interest rates. Because lenders set their own standards, a score that qualifies as good for one purpose or institution may differ for another. Factors such as payment history and outstanding balances influence these scores, and aiming for the high 600s or above is often recommended to improve financial options.
- FICO Score Ranges. Most lenders use the FICO scoring model, which categorizes scores from 670 to 739 as good. Scores above this range are considered very good or exceptional, while those below are fair or poor.
- VantageScore Ranges. VantageScore, another common model, defines a good score as being between 661 and 780. This range is sometimes referred to as the prime credit tier.
- Impact on Borrowing. A higher score signals lower risk to lenders, which can help you qualify for loans, credit cards, and better interest rates. Conversely, lower scores may limit your options or result in higher costs.
- Lender-Specific Standards. Lenders have their own specific requirements. For example, while 670 is often a benchmark for conventional mortgages, specific loan types or lenders may have different minimum score thresholds.
Sources
- What is a Credit Score?myfico.com
- What Is A Good Credit Score?equifax.com
- What Is a Good Credit Score?experian.com
- What is a FICO Score and why is it important? | myFICOmyfico.com · published May 24, 2019
- What is a good credit score? | Fidelityfidelity.com · published October 31, 2025
- Understanding FICO Scoresmyfico.com
- What Is a Good Credit Score? | Intuit Credit Karmacreditkarma.com · published November 16, 2023
- Credit Scores | Consumer Adviceconsumer.ftc.gov · published November 7, 2023
Related questions
This page was prepared by Seeked from live retrieval on September 20, 2026 and is not continuously updated. Run a fresh search for the latest, or to inspect each source.