It pays to know your credit score, it’s your financial footprint.
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Why your credit score matters
There are real benefits to staying on top of your credit score.
That’s because a strong credit score can translate into real perks, like access to a wider range of products and services including loans, credit cards and mortgages. You could also enjoy better interest rates and more generous credit limits. Meanwhile, if your credit score isn’t quite where you want it to be, knowing the score is the first step to improving it.
Either way, it pays to know your credit score. It’s your financial footprint – the way companies decide how financially reliable you are. A higher credit score means lenders see you as lower risk.
Checking your credit score is free – and it’s your right
You have the legal right to check your credit report for free. What’s more, it could be done in a few quick steps. That way, if any mistakes have crept into your credit file, you can catch them and have them removed. Here’s how to check your credit score.
How does your credit score compare?
Most of the top credit rating agencies have five categories for credit scores: excellent, good, fair, poor and very poor. Each credit rating agency (CRA) uses a different numerical scale to determine your credit score – which means each CRA will give you a different credit score. However, you’ll probably fall into one category with all the agencies, since they all base their rating on your financial history.
So if one agency gives you a ‘good’ score, the others probably will as well. Here’s what a ‘good’ or ‘fair’ credit score looks like from each of the UK’s three largest CRAs:
A fair, good or excellent Experian Credit Score
Experian is the largest CRA in the UK. Their scores range from 0-999. A credit score of 721-880 is considered fair. A score of 881-960 is considered good. A score of 961-999 is considered excellent (reference: https://www.experian.co.uk/consumer/guides/good-credit-score.html).
A fair, good or excellent TransUnion Credit Score
TransUnion (formerly known as Callcredit) is the UK’s second largest CRA, and has scores ranging from 0-710. A credit score of 566-603 is considered fair. A credit score of 604-627 is good. A score of 628-710 is considered excellent (reference: https://www.finder.com/uk/transunion).
A fair, good or excellent Equifax Credit Score
Equifax scores range from 0-700. 380-419 is considered a fair score. A score of 420-465 is considered good. A score of 466-700 is considered excellent (reference: https://www.finder.com/uk/equifax).
To get a peek at the other possible credit scores, you can go to ‘What is a bad credit score’.
What a fair, good or excellent credit score means for you
The better your credit score, the more choices you’ll have when it comes to applying for a loan or credit card. That’s the bottom line.
If you have a fair credit score and are approved for a credit card, you may be offered a slightly higher interest rate. Your initial credit limit may also be on the lower side. But if you make your payments on time and demonstrate financial stability, you might be able to have your limit increased after 6-12 months.
If you have a good credit score, your chances of being approved for loans and credit cards increases. You’re also more likely to be offered a more competitive interest rate, as well as a more generous credit limit.
Finally, an excellent credit score makes borrowing money and getting credit cards much easier. It’s also more likely to get you the best available interest rates and generous credit limits.
How your credit score is determined
All the leading credit rating agencies rely on similar criteria for deciding your credit score. Mostly, it comes down to your financial history – how you’ve managed money and debt in the past. So if you take steps to improve your score with one agency, you’re likely to see improvements right across the board.
Just remember that it may take some time for your credit report to be updated and those improvements to show up with a higher credit score. So the sooner you start, the sooner you’ll see a change. And the first step to improving your score is understanding how it’s determined.
Here are some of the factors that can harm your credit score:
If you want to dig a little deeper into how your credit score is set, ‘The truth about your credit rating’ will provide even more insights. No matter how good or bad your credit score is, there’s often things you can do right now to improve your credit rating. Some are free and require just a few steps, like putting yourself on the electoral roll. Others will take a bit longer, like changing the way you manage your bills.
What’s next?
Now that you know what your credit score means, here are some handy tips for improving it.
Credit Score
Marcus Reeves is a writer, publisher, and journalist whose business and pop culture writings have appeared in several prominent publications, including The New York Times, The Washington Post, Rolling Stone, and the San Francisco Chronicle. He is an adjunct instructor of writing at New York University.
What Is a Credit Score?
A credit score is a number from 300 to 850 that depicts a consumer’s creditworthiness. The higher the score, the better a borrower looks to potential lenders.
A credit score is based on credit history: number of open accounts, total levels of debt, repayment history, and other factors. Lenders use credit scores to evaluate the probability that an individual will repay loans in a timely manner.
There are several different credit bureaus in the United States, but only three that are of major national significance: Equifax, Experian, and TransUnion. This trio dominates the market for collecting, analyzing, and disbursing information about consumers in the credit markets.
Key Takeaways
The credit score model was created by the Fair Isaac Corp., now known as FICO, and is used by financial institutions. While other credit scoring systems exist, the FICO Score is by far the most commonly used. There are a number of ways to improve an individual’s score, including repaying loans on time and keeping debt low.
How Credit Scores Work
A credit score can significantly affect your financial life. It plays a key role in a lender’s decision to offer you credit. For example, people with credit scores below 640 are generally considered to be subprime borrowers. Lending institutions often charge interest on subprime mortgages at a rate higher than a conventional mortgage to compensate themselves for carrying more risk. They may also require a shorter repayment term or a co-signer for borrowers with a low credit score.
Conversely, a credit score of 700 or higher is generally considered good and may result in a borrower receiving a lower interest rate, which results in their paying less money in interest over the life of the loan. Scores greater than 800 are considered excellent. While every creditor defines its own ranges for credit scores, the average FICO Score range is often used.
Your credit score, a statistical analysis of your creditworthiness, directly affects how much or how little you might pay for any lines of credit that you take out.
A person’s credit score also may determine the size of an initial deposit required to obtain a smartphone, cable service, or utilities, or to rent an apartment. And lenders frequently review borrowers’ scores, especially when deciding whether to change an interest rate or credit limit on a credit card.
What Is A Credit Score?
Credit Score Factors: How Your Score Is Calculated
The three major credit reporting agencies in the U.S. (Equifax, Experian, and TransUnion) report, update, and store consumers’ credit histories. While there can be differences in the information collected by the three credit bureaus, five main factors are evaluated when calculating a credit score:
Ellen Lindner / Investopedia
Payment history counts for 35% of a credit score and shows whether a person pays their obligations on time. Total amount owed counts for 30% and takes into account the percentage of credit available to a person that is being used, which is known as credit utilization. Length of credit history counts for 15%, with longer credit histories being considered less risky, as there is more data to determine payment history.
The type of credit used counts for 10% of a credit score and shows if a person has a mix of installment credit, such as car loans or mortgage loans, and revolving credit, such as credit cards. New credit also counts for 10%, and it factors in how many new accounts a person has; how many new accounts they have applied for recently, which result in credit inquiries; and when the most recent account was opened.
Advisor Insight
If you have many credit cards and want to close some that you do not use, closing credit cards can indeed lower your score.
Instead of closing accounts, gather up the cards you don’t use. Keep them in a safe place in separate, labeled envelopes. Go online to access and check each of your cards. For each, ensure that there is no balance and that your address, email address, and other contact info are correct. Also, make sure that you don’t have autopay set up on any of them. In the section where you can have alerts, make sure you have your email address or phone in there. Make it a point to regularly check that no fraudulent activity occurs on them, since you aren’t going to be using them. Set yourself a reminder to check them all every six months or every year to make sure there have been no charges on them and that nothing unusual has happened.
VantageScore
VantageScore is a consumer credit rating product developed by the Equifax, Experian, and TransUnion credit bureaus in 2006 as an alternative to the FICO Score, created by the then-Fair Isaac Corp. in 1989.
VantageScore was developed by the same three credit rating agencies that are used by FICO to develop its scores. Equifax, Experian, and TransUnion claim that VantageScore uses machine learning techniques to generate a more accurate picture of a consumer’s credit.
FICO Scores remain the most popular credit score, employed by about 90% of all lenders. However, the use of VantageScore has been increasing, growing by about 20% annually since June 2015, based on studies conducted by consulting firm Oliver Wyman. The most recent study available, looking at July 1, 2018, to June 30, 2019, found that approximately 12.3 billion VantageScores were used by more than 2,500 users. Credit card issuers were the most prolific users of VantageScore, followed by banks.
There are several points of difference between FICO and VantageScore. FICO creates a single bureau-specific score for each of the three credit bureaus, using only information from that bureau. As a result, it is actually three scores, not one, and they can vary slightly, as each bureau will have different information about a consumer. A VantageScore is a single, tri-bureau score, combining information from all three credit bureaus and used by each of them.
How to Improve Your Credit Score
When information is updated on a borrower’s credit report, their credit score changes and can rise or fall based on new information. Here are some ways that a consumer can improve their credit score:
What is a credit score?
A credit score is a number from 300 to 850 that depicts a consumer’s creditworthiness. Factors considered in credit scoring include repayment history, types of loans, length of credit history, and an individual’s total debt.
What is a good credit score to have?
Ranges vary depending on the credit scoring model, but generally, credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and higher are considered excellent.
Who calculates credit scores?
There are several different credit bureaus in the United States, but only three are of major national significance: Equifax, Experian, and TransUnion. This trio dominates the market for collecting, analyzing, and disbursing information about consumers in the credit markets.
The Bottom Line
Your credit score is one number that can cost or save you a lot of money in your lifetime. An excellent score can land you lower interest rates, meaning that you will pay less for any line of credit you take out. But it’s up to you, the borrower, to make sure that your credit remains strong so you can have access to more opportunities to borrow if you need to.
What Is a Good Credit Score? How Do I Get a Good Credit Score?
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Generally speaking, scores between 690 and 719 are considered good credit on the commonly used 300-850 credit score range.
Scores above 720 are considered excellent, while scores between 630 and 689 are considered fair. Scores below 630 fall into the bad credit range.
FICO, the most widely known credit scoring system, and its competitor VantageScore both use the 300-850 range.
What is a good FICO score?
A good FICO score lies between 670 and 739, according to the company’s website. FICO says scores between 580 and 669 are considered «fair» and those between 740 and 799 are considered «very good.» Anything above 800 is considered «exceptional.»
According to FICO, the average credit score in 2021 was 716, which falls in the good range.
FICO comes from Fair Isaac Corp., the company that first developed a credit scoring system. It uses data about consumers from the three major credit reporting bureaus: TransUnion, Equifax and Experian.
FICO scores typically express a consumer’s creditworthiness as a number between 300 and 850.
What is a good VantageScore?
FICO’s competitor, VantageScore produces a similar score using the same credit report data from the three bureaus. (NerdWallet offers you a free credit score using VantageScore and your TransUnion credit report.)
A good VantageScore lies between 661 and 780, which the company calls a «prime» credit tier. VantageScores above 780 are considered «superprime» while those between 601 and 660 are «near prime.» VantageScores below 600 are considered «subprime.»
The average VantageScore 3.0 in July 2021 was 693.
What a good credit score can get you
Having good credit matters because it determines whether you can borrow money and how much you’ll pay in interest to do so.
Among the things a good credit score can help you get:
An unsecured credit card with a decent interest rate, or even a balance-transfer card.
A desirable car loan or lease.
A mortgage with a favorable interest rate.
The ability to open new credit to cover expenses in a crisis if you don’t have an emergency fund or it runs out.
A good credit score helps in other ways: In many states, people with higher credit scores pay less for car insurance. In addition, some landlords use credit scores to screen tenants.
So having a good credit score is helpful whether you plan to apply for credit or not.
If your credit score is below about 700, prepare for questions about negative items on your credit record when shopping for a car. People with major blemishes on their credit are routinely approved for car loans, but you may not qualify for a low rate. Read about
what rates to expect with your score
You don’t need flawless credit to get a mortgage. In some cases, credit scores can be in the 500s. But credit scores estimate the risk that you won’t repay as agreed, so lenders do reward higher scores with lower interest rates. Read about
your mortgage options by credit score tier
Landlords or property managers generally aren’t looking for immaculate scores, they are interested in your credit record. Learn more about
what landlords really look for in a credit check
What is a good credit score according to lenders?
Lenders, such as credit card issuers and mortgage providers, may set their own standards on what «good credit» means as they decide whether to grant you credit and at what interest rate.
In practice, though, a good credit score is the one that helps you get what you need or want, whether that’s access to new credit in a pinch or lower mortgage rates.
What affects your credit score?
Other factors matter but carry a little less weight: how long you’ve had credit, whether you have a mix of credit types and how frequently and recently you’ve applied for credit.
How to get a good credit score
Pay bills on time. This is important because payment history has the largest impact of all the factors in your score. A missed or late payment can do tremendous damage to a credit score and it can stay on your credit report for up to 7 years.
Keep credit accounts open unless there is a compelling reason, such as high fees or poor service, to close them. Keeping older accounts open helps your average age of accounts, which has a small influence on your score. Also, closing an account cuts into your overall credit limit, driving up your credit utilization.
Avoid making several credit applications in a short time frame. Credit checks for the purpose of credit decisions can cause a small, temporary dip in your score, and several in a short time can add up. That’s why it’s important to research credit cards before you apply.
Monitor your credit reports and dispute information you believe is incorrect or too old to be included (most negative information falls off after seven years).
Want to see what powers your credit? Check your free credit score, get personalized insights. Weekly updates let you track your progress. Sign up, it’s free.
Watch to learn more about bettering your credit score
What is a good credit score?
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Editor’s note: This post has been updated with the latest information on credit reporting and scoring. It was originally published on November 1, 2018.
A good or excellent credit score is something every points and miles enthusiast should strive towards. Not only can solid credit scores can make it easier to qualify for great credit card offers, they can save you a lot of money along the way.
What counts as a good credit score?
FICO scores, the credit score brand used by most lenders, range from 300 to 850. Scores that fall between 300 to 669 are classified as “very poor” or “fair.” Once you reach the 670 to 739 range, however, you cross the threshold into “good” credit score territory. Between 740 to 850, your score is “very good” or “exceptional.”
These are the five general credit score classifications. Yet it’s really up to each lender to set its own criteria when it comes to credit scores. One card issuer might offer you its best rate and terms at around the 720 score mark. The next might want you to have a 740 score to get that same type of treatment.
Ideally, you should aim for a credit score of 760 or higher. A FICO Score of 760 and up should get you the best treatment available from lenders (including mortgage lenders, auto lenders, and more). In the credit card world, a 740 score may grant you access to almost any credit card on the market.
Credit cards for excellent credit scores
Excellent credit scores are a common requirement for some of the most attractive premium rewards cards. Because of their lavish benefits, cards like the Chase Sapphire Reserve or The Platinum Card® from American Express fall into this category.
Yet don’t fear. Even if your credit score sits below 700 or don’t have a score at all, it’s often possible to boost your score in a relatively short period of time. It’s also not as hard to get approved for cards like the Chase Freedom Unlimited or The Amex EveryDay® Credit Card from American Express with a lower credit score. There are many card options available if you haven’t made the jump to a “good” score yet.
The information for the Amex EveryDay Credit Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Your score is important and often the first thing that credit card companies and lenders look at when you apply for a new account. But there are many other factors that influence your approval odds. Your income and existing debts come into play, of course. Your history with the card issuing bank is also a key factor.
Once you get earn a very good or excellent score, you won’t gain much from having an 850 FICO score instead of a 760. It’s like how SPF 100 sunscreen doesn’t work significantly better than SPF 50. A perfect score isn’t necessary.
Still, it’s good to know how your credit score is calculated and how you can improve it. With FICO scores in particular, your credit score is influenced by five categories of information — all of which can be found in your credit report.
Credit score factors
Payment history – 35%
The most important information on your credit report has to do with your payment history. This data impacts 35% of your FICO Score.
Any missed payments can potentially damage your score. Even the occasional late payment can be a serious red flag. Collection accounts, charge-offs, and other negative information can cause you problems in this category as well.
Paying your bill on time is also an important part of the 10 credit card commandments. If you’re worried about forgetting to make a payment, consider setting up automatic drafts as a backup measure.
Amounts owed – 30%
After payment history, FICO places a big emphasis on the debts you owe. Your credit card utilization rate in particular influences 30% of your FICO Score. Credit utilization describes your credit card limits and balances, and how these figures relate to each other.
Credit scoring models reward users who discipline themselves and maintain low credit card utilization rates. It’s in your best interest to pay your full credit card balance each month and never revolve a balance. Following this advice may save you money and protect your credit score at the same time.
Length of credit history – 15%
While length of credit history is a less significant credit scoring factor, it’s still quite important. As the age of your oldest account and your average age of accounts grows older, your scores may improve. You may need a year or more of credit history to be considered for some premium rewards cards.
Your length of credit history should naturally increase over time. If you have a loved one willing to add you as an authorized user to an older credit card account, this might help you in the length of credit history category too.
Finally, it’s wise to maintain some activity on all of your credit cards. Doing so may help you avoid the risk of having your account closed due to inactivity. A closed credit card will fall off your credit report after 7-10 years (depending on whether it’s negative or positive). Once the account falls off your report, it will no longer count in your average age of credit.
New accounts – 10%
When you apply for new credit, a “hard inquiry” from the credit card company will appear on your credit report. This hard inquiry will factor into your credit score whether you’re approved or not.
Hard inquiries stay on your report for up to two years. But they only influence your FICO Score for 12 months (if they have any impact at all).
Lenders may see multiple account openings in a short period of time as a warning that you’re desperate to open credit. Yet new accounts are a minor factor in your credit score, worth just 10% of your FICO Score. If you don’t go overboard with too many credit applications in a 12-month span, you should be fine.
It is also important to be aware of rules like Chase’s 5/24. This unofficial rule stops you from opening a new Chase credit card if you’ve opened five or more credit cards with any card issuer in the past 24 months.
Mix of credit – 10%
The final credit scoring category deals with the types of accounts that appear on your credit report. Ideally, lenders like to see a mix of credit cards, retail accounts, and loans — and a history of managing them well.
However, it’s not important to have one of each. There are plenty of people who don’t have any loans and have no problem being approved for new cards. If you’d like to add an installment loan to your report without going into debt, a credit builder loan may be worth considering.
How to check your credit score
You should check your three credit reports from Experian, TransUnion, and Equifax often. If you’re trying to improve your credit and plan to apply for new financing, this is an especially goal to set for yourself.
You can access a free copy of all three reports from AnnualCreditReport.com once every 12 months. There are many other places online where you can check your credit reports and scores free of charge.
Remember, checking your own credit will never hurt your credit score. Be on the lookout for signs of fraud or credit mistakes when you review your reports. If you find anything shady, you can dispute those issues with the credit reporting agencies.
Bottom line
Your credit score is a good indicator of whether you’ll be approved for a new credit card, but it’s not a guarantee of approval. Even if you have an excellent score, you can still be denied credit.
For example, those with a high credit score as a result of being an authorized user on a parent’s account might have problems getting approved if they have no other established credit.
If you’re just starting to build your own credit, it may be best to start with one of these cards. After six months to a year of having your own credit, other more lucrative cards may become available to you.
Above all, remember that building your credit takes time. So, keep paying your bills on time, keep your statement closing balances low on your credit cards, and be smart about opening and closing your accounts. A world of rewards cards awaits you.
Featured image by Hero Images / Getty Images
What’s a Good Credit Score? Credit Score Ranges Explained
What is a credit score, and what’s considered a good credit score? If you’ve ever attempted to purchase a big-ticket item, such as a house or a car, the financing company likely spoke to you about your credit score.
This is one of the most defining factors lenders take into consideration to determine whether or not to give you a loan.
Credit card companies and lenders use credit scores as one of the factors to determine loan amounts and interest rates. Your credit score is based on your credit history and can have a huge effect on just how much you end up paying. If you live in a state that allows auto and/or home insurance companies to consider your credit standing, improving your credit can help you lower your rates. The states of CA, HI, MD, MA, MI, OR, UT have restrictions – to learn more visit this link.
What is a good Credit Score Range? Infographic
Credit Score Ranges
Credit scores range from 300 to 850. Both FICO ® score ranges and VantageScore ranges use 300 to 850, although VantageScore used to use a range of 501 to 990.
The best credit score is 850.
What is the Average Credit Score?
In the United States, the average FICO Score is 711 and the average VantageScore is 688.
Generally, a 680 credit score or above is considered a good credit score, while any score above 740 is considered excellent. But what is generally considered an average credit score?
Average Credit Score in the U.S.
% of U.S. Population
Up to 499
5.8%
500-549
8.4%
550-599
9.8%
600-649
10.2%
650-699
12.7%
700-749
16.3%
750-799
18.4%
800-850
18.6%
Based on this information, more than 50% of the population has a credit score over 700, with 42% scoring below that level.
What is a Bad Credit Score range?
Bad credit score = 300 – 549: It is generally accepted that credit scores below 550 are going to result in a rejection of credit every time. If your score has fallen into this range, improving your score is going to take some work.
Filing for b ankruptcy can bring a score down to this level. Statistically, borrowers with scores this low are delinquent approximately 75% of the time. But if you continue to make your payments on time, your score should improve. There are certain types of loans, like home loans, that are hard to get with a score in this range, but there are still options for getting a mortgage with bad credit.
What is a Poor Credit Score range?
If you find yourself in this range, you should begin to address any specific credit problems you have to try to boost your score before applying for credit. Subprime borrowers typically become delinquent 50% of the time.
What is a Fair Credit Score range?
Fair credit score = 620- 679: Individuals with scores over 620 are considered less risky and are even more likely to be approved for credit.
In the mid-600s range, consumers become prime borrowers. This means they may qualify for higher loan amounts, higher credit limits, lower down payments and better negotiating power with loan and credit card terms. Only 15-30% of borrowers in this range become delinquent.
What is a Good Credit Score range?
According to FICO, the median credit score in the U.S. is in this range, at 723. Borrowers with this “good” credit score are only delinquent 5% of the time.
What is an Excellent Credit Score range?
Excellent credit score = 740 – 850: Anything in the mid 700’s and higher is considered excellent credit and will be greeted by easy credit approvals and the very best interest rates. Consumers with excellent credit scores have a delinquency rate of approximately 2%.
In this high-end of credit scoring, extra points don’t improve your loan terms much. Most lenders would consider a credit score of 760 the same as 800. However, having a higher score can serve as a buffer if negative occurrences in your report. For example, if you max out a credit card (resulting in a 30-50 point reduction), the resulting damage won’t push you down into a lower tier.
What Affects a Credit Score?
While every credit scoring model is different, there are a number of common factors that affect your score. These factors include:
Each factor has its own value in a credit score. If you want to keep your number at the higher end of the credit score scale, it’s important to stay on top of paying your bills, using your approved credit, and limiting inquiries.
However, if you are in the market to purchase a house or loan, there is an annual 45-day grace period in which all credit inquiries are considered one cumulative inquiry. In other words, if you go to two or three lenders within a 45-day period to get find the best rate and terms available for a loan, this only counts as one inquiry. This means that they are not all counted against you and will not affect your credit score.
Why is My Credit Score Low?
Lower credit scores aren’t always the result of late payments, bankruptcy, or other negative notations on a consumer’s credit file. Having little to no credit history can also result in a low score.
This can happen even if you had established credit in the past – if your credit report shows no activity for a long stretch of time, items may ‘fall off’ your report. Credit scores must have some type of activity as noted by a creditor within the past six months. If a creditor stops updating an old account that you don’t use, it will disappear from your credit report and leave FICO and or VantageScore with too little information to calculate a score.
Similarly, consumers new to credit must be aware that they will have no established credit history for FICO or VantageScore to appraise, resulting in a low score. Despite not making any mistakes, you are still considered a risky borrower because the credit bureaus don’t know enough about you.
How to Improve Your Credit Score:
Another common question when dealing with credit scores is “What can I do to improve my score?” There are many ways to improve your credit score to the higher end of the scale. Some of these methods include:
Credit.org offers consumers help in managing multiple payments. With a Debt Management Plan, you have the possibility of joining these payments into one lump sum with a lower interest rate. Learn more by reaching out to one of our credit coaches today!
The Takeaway
Of course, different lenders have different standards and your experience may vary. You may have a high credit score, but a negative public record on your credit file may hurt your chances of getting a loan. And while credit scores don’t take your income into account, lenders will. No matter how good your credit score is, a lender will not approve you if they feel there are risks, such as your inability to repay.
No matter where you land on the scale, always remember that there are a number of factors that can both harm your credit history and help you improve your score. If you’re struggling with overcoming credit card debt, reach out to one of our trained credit coaches to help you pay off your debt faster and improve your personal financial situation.
About The Author
Melinda Opperman is an exceptional educator who lives and breathes the creation and implementation of innovative ways to motivate and educate community members and students about financial literacy. Melinda joined credit.org in 2003 and has over two decades of experience in the industry.
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What is a good Credit Score Range? Infographic
