Home › Score ranges
Credit score ranges
The bands FICO and VantageScore publish for their 300–850 scales, and a quick way to see where a number falls.
FICO Score 8 and later
- 800–850ExceptionalUsually offered the best rates.
- 740–799Very goodBetter-than-average rates are likely.
- 670–739GoodNear or slightly above the US average.
- 580–669FairApprovals possible, often at higher rates.
- 300–579PoorOften declined or asked for a deposit.
VantageScore 3.0 and 4.0
- 781–850Excellent
- 661–780Good
- 601–660Fair
- 500–600Poor
- 300–499Very poor
Why your numbers differ
The score in your banking app, the one a car dealer pulls and the one a mortgage lender uses are often different. They may come from different bureaus, different models (FICO or VantageScore) and different versions — there are industry-specific FICO Auto and Bankcard Scores, which use a 250–900 range. A difference of 20 to 40 points between them is normal.
See how scores are calculated for what moves them.
Bands are those published by the scoring companies. Individual lenders set their own approval criteria.