What Is a Good Credit Score? (US Guide)
In the US, a “good” credit score usually means you qualify for better rates and approvals compared to someone with a lower score. Exact cutoffs vary by lender and product.
Common US credit score ranges
- Excellent: often \(740+\)
- Good: often \(670–739\)
- Fair: often \(580–669\)
- Poor: often \(below 580\)
What impacts your score most
- Payment history (on-time payments)
- Credit utilization (how much of your available credit you use)
- Length of credit history
- New credit (recent applications)
- Credit mix (types of accounts)
Next step
If you’re in the US and want to see where you stand today, go back to the free credit score page.