Credit Scores Range From 300 to 850: Learn The Scale
The most common credit score range is 300 to 850. All of the most popular credit-scoring models, including VantageScore 3.0 and FICO Score 8, now use that 300-to-850 credit score scale. But that hasn’t always been the case. And some alternate credit score ranges are still in use today.
Below, you can learn more about the standard credit score range, including what percentage of Americans has each credit rating, how old they are on average, and how much they typically make. You’ll also find some examples of other credit score scales that you may come across.
If you’d like to see where your score is on the scale, you can check your latest credit score for free on WalletHub, the first and only site with free daily updates.Check Your Credit Score – 100% Free
Credit Score Ranges, Ratings & More
|Credit Score Range||Credit Score Rating||Population Share||Characteristics|
Average Age: 52.3 years
Average Income: $64,269
Average Age: 46.87
Average Income: $58,740
Average Age: 44.70
Average Income: $53,947
Average Age: 41.10
Average Income: $45,797
It’s unlikely that you’ll be able to get a mortgage or an auto loan with bad credit.
Note: The most popular credit scores use the same range. But lenders often establish their own thresholds for each credit rating tier.
Factoids About the Credit Score Range
- 800+ is considered a perfect credit score.
- 3 states have average credit scores above 700: Minnesota (702), Hawaii (701) and North Dakota (701).
- 5 states have average scores below 650, with Mississippi (642) bringing up the rear.
- 282 cities have average credit scores of 720 or higher, led by The Villages, Fla., at 779.
- 92 cities have an average score below 620, worst of all Camden, N.J. (566)
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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