Credit Scores Range From 300 to 850: Learn The Scale
The most common credit score range goes from a low of 300 to a high of 850. That’s the range used by the two most popular types of credit scores: VantageScore 3.0 and FICO Score 8. But it hasn’t always been that way. And some of the 1,000+ credit scores that each of us has still use different ranges.
You can learn more about the 300-to-850 credit score range below. Just keep in mind that each lender you work with may define excellent, good, fair and bad credit differently. For example, while WalletHub and many lenders might consider someone with a credit score above 720 to have “excellent” credit, one particular lender might classify that person as merely having “good” credit.
If you want to see which credit score tier you belong to today, you can check your latest VantageScore for free on WalletHub, the only free-credit-score site with daily updates.
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It’s unlikely that you’ll be able to get a mortgage or an auto loan with bad credit.
Note: The most popular credit-score models, including VantageScore 3.0 and the newest FICO scores, use the same range and categorization thresholds, but lenders often employ their own breakpoints when using these models.
Other Credit Score Ranges
Below you will find a list of the credit-score models that are exceptions to the 300-to-850 rule. As you’ll see, most are either industry-specific scores or older versions of models widely used today. You should therefore operate under the assumption that your score is based on the standard range unless you know, or are informed, that it’s based on one of the following versions:
For more information about the credit-score numbers game, you can check your score for free on WalletHub, the only website that provides daily score updates. And if you’re still hungry for information, why not learn how credit scores are calculated?
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