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Why Your Credit Score is Important

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Credit Score Range

Credit scores are calculated using information in your credit reports. Credit scores generally range from 300 to 850.

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Poor (300-657)

If you have a bad / poor credit score then it means you are sitting between the credit score range of 300 to 657.

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Fair (658-719)

If you are sitting at fair credit then you are right between bad and good credit. This usually means that you are between the low and mid 600’s.

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Good (720-780)

A good credit score ranges from 700 to 780 according to the FICO credit range while on a Vantage Score 3.0 you would end up at a B grade.

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Excellent (781-850)

If you find yourself sitting at an excellent credit score range then you are on the range of 781 or above according to the FICO range or an A.

Frequently Asked Questions

Get the answers you need to commonly asked questions about managing your credit score.

What is a credit score? Credit scores are a numerical reflection of your creditworthiness as determined by companies like Experian or TransUnion. The higher the score, the more likely you will be approved for loans and other forms of financing from creditors; conversely, lower scores can make it difficult to get access to funds that would otherwise be available with good credit. This is because lenders use past history coupled with information on current accounts in order to determine how risky lending money may prove relative to potential return rates--which they then translate into what's known as an "FICO" Score (named after Fair Isaac Corporation).
Will checking my credit hurt my score? There are many different types of auto coverage, each with its own set of benefits. The most common types include liability, collision, comprehensive, uninsured motorist and medical payments coverage. It’s important to know what you need before purchasing your policy so you can make sure it fits your needs and budget.
What is the credit score range? One of the most important questions you can ask yourself before taking out a loan, applying for an apartment or any other major financial decision. A good way to measure one's creditworthiness is through their FICO Score - which ranges from 300-850 and determines whether someone has excellent (above 760), very good (between 740 and 699), average (600-639) or poor(below 579) potential as far as borrowing money goes.
How is my Credit Score determined? A credit score is determined by your past financial history. In order to get a better understanding of how this will affect you, it's important that we understand what information makes up the calculation and how these factors combine together for each potential borrower. The formulas are not made public but they often weigh various aspects such as payment history (on time vs late), length of employment, types/amounts borrowed over different periods in life.
What affects my credit score? Credit scores are a mystery to many people who assume that if they never miss a payment, their FICO must be good. But your credit score is more than just your payment history; it takes 5 factors to create the final number:
  • Payment history
  • Credit utilization (amounts owed and number of accounts)
  • Credit mix
  • New credit
  • Length of credit history

Results may vary. See website for details.

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*Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More ©2021 ImportantScore.com

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