What Is a Good Credit Score? FICO and VantageScore Ranges

Quick answer

• “Most credit scores range from 300-850” (CFPB).
• On base FICO Scores, “a good FICO Score is generally considered to be 670 or above” (FICO).
• On VantageScore 3.0 and 4.0, which also use 300 to 850, Experian says a good score is 661 to 780 (Experian).
• There’s no single score. Lenders may use a different model or version than the one you see.

Why there’s no one “good” number

You have many credit scores, not one. The CFPB says scores can differ based on the scoring model, the data used, “and even the day when it was calculated.” It adds that a higher score usually “makes it easier to qualify for a loan and may result in a better interest rate or loan terms” (CFPB).

Each lender sets its own standards, so “good” is a rough guide, not an approval line.

FICO score ranges

Base FICO Scores run from 300 to 850 and are grouped into five ranges (FICO):

FICO Score	Rating
Below 580	Poor
580 to 669	Fair
670 to 739	Good
740 to 799	Very Good
800 and above	Exceptional

Table: FICO, accessed Oct 30, 2026.

Experian notes that FICO’s industry-specific scores (for example, for auto lending) use a 250 to 900 range, but a “good” score there is still 670 to 739 (Experian).

VantageScore ranges

Experian says VantageScore 3.0 and 4.0 use the same 300 to 850 range, and a good score is 661 to 780 (Experian).

What goes into a FICO Score

FICO says it weighs five categories (FICO):

• Payment history: 35%
• Amounts owed: 30%
• Length of credit history: 15%
• New credit: 10%
• Credit mix: 10%

FICO notes a long history helps, “but it’s not required for a good credit score” (FICO).

What to do next

Check that the information behind your scores is right. If you find a mistake, you can dispute it with the credit bureaus for free.

Related guides

• Free ways to check your credit report and score

General information, not financial advice.