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What is a Good Credit Score Number?

What is a Good Credit Score Number?

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In most instances, a FICO credit score of 670 to 799 is considered a good one. Scores 800 to 850 are in the “excellent” range. Remember, your credit score follows you throughout your lifetime. So, it’s important to take good care of it.

FICO is the most common credit score model. It was put into place by the Fair Isaac Corporation in 1956. The creators were an engineer and a mathematician.


VantageScores are most often used by mortgage lenders. This score model was created by the three main credit bureaus… TransUnion, Experian and Equifax. Like the FICO score the most current model implements a range between 300 and 850. Scores over 700 are looked upon as good ones.

You can check your credit score for free at Credit Karma

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Factors That Affect Credit Scores

Your credit score is it just based on whether or not you pay your bills on time. Additional factors include things like the type and number of credit accounts you have, the total debt you owe and how long you’ve had an active credit history.

If you’ve recently filed for bankruptcy or applied for several loans or credit cards at the same time, your score will also be affected.

Factors That Don’t Affect Credit Scores

Your age, place of residence, sexual orientation, race, religion and marital status are some of the things that will never affect your credit score. This is because of your rights under the Consumer Credit Protection Act.

Why You Need a Good Credit Score

Without a good credit score, you may find yourself unable to purchase certain things. This includes a home of your own, a reliable vehicle and many types of insurance. You probably will have difficulty renting a vehicle and maybe even securing employment.

Should your credit score take a hit, it doesn’t mean there’s no way to improve it. Click here ways to improve your credit score. for As long as you make wise decisions, you’re likely to see it slowly increase. It won’t happen overnight. But, with patience and hard work, you’ll typically see a change.

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