Free Resource
Your Credit Guide
Everything you need to know about building and protecting credit in the United States — explained simply.
300–579
Poor
580–669
Fair
670–739
Good
740–799
Very Good
800–850
Exceptional
A credit score is a number between 300 and 850 that tells lenders how likely you are to pay back money you borrow. Think of it as a financial report card. The most common scoring model is called FICO. Scores above 670 are considered good, and above 740 is very good.
Tip:You can check your score for free at annualcreditreport.com — it won't hurt your score.
Did You Know?:35% of your score is based on payment history alone. Paying on time is the single most important thing you can do.