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What is a Credit Score?

What Is a Good Credit Score?

What is considered a "good credit score" changes over time, depending on changes in the overall population's credit and payment history. No matter what the current "good range," think of a "good credit score" as a credit score that allows you to obtain credit at an affordable rate.

Below is a current bar chart showing the national distribution of FICO scores. Take a look and see where you stand.

National Distribution of FICO Scores

VantageScore uses a grading system scale to estimate your ranking:

GradeNameScore RangePercentage of Population
ASuper Prime901 to 99015%
BPrime801 to 90050%
CNear Prime701 to 80025%
DSub-Prime 501 to 70010%
> Obtaining Your Credit Score