Credit score ranges: excellent, good, fair, poor

For me, I’m somewhere in the "Fair" range of scoring, and I know it does me no good at all to apply for a card that would recommend "Good" and certainly not "Excellent", as it would only result in a hard inq + a drop in scores. The moral of the story is: do not apply for cards that are beyond your reach.

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What Credit Score Do You Need to Get a Credit Card. – Updated: May 2, 2019. You’ve probably noticed that credit cards list "credit needed for approval" with terms like Excellent, Good, Fair and Very Poor, but what does that mean?We’ve written about what credit scores are and how they differ from credit reports.However, even if you know your credit scores, you may not be sure what term describes them.

The general guidelines for what FICO qualifies as poor or excellent credit scores are just that – guidelines. Lenders may have different specifications for what they consider to be good or bad credit, and they could have unique requirements when determining which applications to accept and what terms and rates to offer.

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Now that you know what good FICO Scores are and how they’re calculated, it’s time to find out if your scores fall within the good credit score range, bad credit score range or somewhere in between. What’s a good credit score range? For now, we’re going to focus on FICO Scores because these are the scores used by 90% of top lenders.

What Is Considered a Fair Credit Score? | US News – Note that with this score version, fair credit ranges from 650 to 699. With FICO Score 8, fair credit is from 580 to 669. There’s a little overlap, but with VantageScore 3.0, you need a score of 700 to cross over into the good credit range.

Fair credit, in the 630-689 range, gives you more options, but you’ll likely pay higher interest and will have a limited choice of credit cards. Good credit, in the 690-719 range, can give you.

Credit score, poor, fair, good, excellent? I am trying to figure out just how high my husband and I need to raise our credit scores before we refinance our mortgage. I would like to get the best rate possible, but I might be willing to settle for second best.

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