FICO Score Rating Breakdown

Want to know how well you’re doing in the credit department? Did you check your credit score, but have no idea about how to interpret what it actually MEANS? Here’s a clear chart showing exactly which category your credit score puts you into, and how lenders view you as a potential borrower.

Fico score rating

breakdown

POOR
<580

Your score is well below the average score of U.S. consumers and demonstrates to lenders that you are a risky borrower.

FAIR
580-699

Your score is below the average score of U.S. consumers, though many lenders will approve loans with this score.

GOOD
670-739

Your score is near or slightly above the average of U.S. consumers and most lenders consider this a good score.

VERY GOOD
740-799

Your score is above the average of U.S. consumers and demonstrates to lenders that you are a very dependable borrower.

EXCEPTIONAL
800+

Your score is well above the average score of U.S. consumers and clearly demonstrates to lenders that you are an exceptional borrower.