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Understanding the FICO® Score Ranges

Your FICO Score powered by Experian data can range from 300 to 850 and can influence what credit is available to you, how much interest you’ll pay and even things such as your utilities and mobile phone options.

Knowledge – about your credit, about the impact it has on your future, about the world in general – is powerful. If you’re on the lookout to be better versed about your credit, consulting your FICO Score could be a great place to start. A FICO Score is a powerful measure of your creditworthiness as a lender might see it.

FICO Scores are used in 90% of credit decisions, so they’re a very good barometer of how your credit can look to potential lenders. Scoring ranges are just one of the tools lenders can use to link ranges of values with associated characteristics and metrics at-a-glance, allowing them to make more informed lending decisions quickly and fairly.

Credit Score Range Definitions

  • 800 +: Indicates an exceptional FICO Score and is well above the average credit score. Consumers in this range may experience an easy approval process when applying for new credit. Approximately 1% of consumers with a credit score of 800+ are likely to become seriously delinquent in the future.
  • 740 to 799: Indicates a very good FICO Score and is above the average credit score. Consumers in this range may qualify for better interest rates from lenders. Approximately 2% of consumers with a credit score between 740 to 799 are likely to become seriously delinquent in the future.
  • 670 to 739: Indicates a good FICO Score and is in the median credit score range. Consumers in this range are considered an “acceptable” borrower. Approximately 8% of consumers with a credit score between 670 to 739 are likely to become seriously delinquent in the future.
  • 580 to 669: Indicates a fair FICO Score and is below the average credit score. Consumers in this range are considered subprime borrowers and getting credit may be difficult with interest rates that are likely to be much higher. Approximately 28% of consumers with a credit score between 580 to 669 are likely to become seriously delinquent in the future.
  • 579 and lower: Indicates a poor FICO Score and is considered to be poor credit. Consumers may be rejected for credit. Credit card applicants in this range may require a fee or a deposit. Utilities may also require a deposit. A credit score this low could be a result from bankruptcy or other major credit problems. Approximately 61% of consumers with a credit score under 579 are likely to become seriously delinquent in the future.

Other Factors to Consider About Your Overall Credit

  • Your FICO Score is one part of what a lender considers when judging credit-worthiness.
  • Your FICO Socre does not factor in income, length of employment, alimony or child support payments, and other things that lenders will typically consider.
  • Having little payment history, or having only new credit can result in a lower FICO Score. It is not always from missed payments or maxed-out credit cards.

How Credit Scores are Calculated

  • 35%: Payment history
  • 30%: Amounts owed on credit and debt
  • 15%: Length of credit history
  • 10%: New credit
  • 10%: Types of credit used

FICO is a registered trademark of the Fair Isaac Corporation.


Editorial Disclaimer: Opinions expressed here are author's alone, not those of any bank, credit card issuer, or other company, and have not been reviewed, approved or otherwise endorsed by any of these entities. All information, including rates and fees, are accurate as of the date of publication.

How Good Is Your Credit Score?

Examples: 600, 700, 780, 803
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