Credit Score Range Chart: The FICO Scale From 300 to 850

The credit score range runs from 300 to 850 on the two most common models, FICO and VantageScore. The scale is usually divided into bands: poor, fair, good, very good, and excellent. Higher scores signal lower risk to lenders and tend to unlock easier approvals and better terms. There is no universal cutoff for each band, because every lender sets its own thresholds, but the ranges below are widely used as a guide.

Think of the range as a spectrum of perceived risk rather than a report card. Moving up a band generally means a lender sees you as more likely to repay, which can translate into more options and lower costs over the life of a loan.

Credit score range chart

Here are the five FICO bands most US lenders reference, with the widely used cutoffs. VantageScore uses the same 300 to 850 scale but groups the bands a little differently, so a number can land in one label on FICO and a neighboring label on VantageScore.

The bands within the 300 to 850 range

Poor: roughly 300 to 579

In this band, approvals for mainstream credit are harder, and when credit is available it often comes with higher costs, a required deposit, or a co-signer. A score here usually reflects missed payments, high balances, or serious derogatory marks. The path up is steady: on-time payments and lowering balances, repeated over time. If this is where you are, our guidance on fixing bad credit lays out a realistic plan.

Fair: roughly 580 to 669

Fair sits just below the threshold many people think of as good. Approval is possible, but often on less favorable terms. Many borrowers in this band are one or two habits away from crossing into good, frequently by lowering their credit utilization ratio or putting a string of on-time payments together.

Good: roughly 670 to 739

This is the band many people target first. It opens up mainstream cards and loans on reasonable terms. Reaching good usually means you have a solid payment history and reasonable balances, with no major recent damage.

Very good: roughly 740 to 799

Borrowers here are typically offered strong terms. At this level, the fundamentals are well established: consistent on-time payments, low utilization, and a history with some age to it.

Excellent: roughly 800 to 850

This top band generally earns the best terms a lender offers. Worth knowing: the practical difference between 800 and 850 is small. Once you are comfortably in this range, chasing a perfect 850 rarely changes what you qualify for.

The VantageScore credit score chart, and why it is not the same chart

VantageScore 3.0 and 4.0 run on the same 300 to 850 scale as FICO but cut the bands in different places, which is why the same person can be "good" on one app and "fair" on another with no change to the underlying file at all. VantageScore groups scores as very poor 300 to 499, poor 500 to 600, fair 601 to 660, good 661 to 780, and excellent 781 to 850.

Look at the middle of each chart and the practical consequence is obvious. A 670 is the bottom of "good" on FICO and comfortably inside "good" on VantageScore. A 655 is "fair" on both but sits 15 points from a band change on one chart and 6 points on the other. The label is a marketing convenience, not a lender rule, and the same score can carry two different labels honestly.

This matters because most free apps show a VantageScore. Credit Karma and WalletHub both display VantageScore 3.0 built on TransUnion data, while a mortgage lender is pulling Classic FICO from all three bureaus. The gap between what your app shows and what a lender sees commonly runs 20 to 50 points in either direction, and FICO alone has more than 28 versions in active use. We compare which app shows which model on the best credit score apps, and if you want alerts when your number moves across a band, the field is priced side by side on our credit monitoring services comparison.

Why your number differs by source

You have multiple scores, and they often disagree. FICO and VantageScore use different formulas, and there are several versions of each in active use. Different sources may also pull from different bureau data. A 30-point gap between two scores on the same day is normal, not a mistake, and our explainer on why your bureau scores are different covers when a gap is worth investigating. The smarter habit is to watch your trend over time rather than fixate on one figure, which is what credit monitoring is for. If you want the specific FICO versions lenders pull rather than a free VantageScore, our myFICO alternative comparison explains what each source actually gives you. For more on the thresholds that matter, see what is a good credit score.

Bands are a convenience for understanding, not a precise law. A lender may approve you at 668 or decline at 672 depending on its own rules and the rest of your profile.

What actually moves you between bands

The same handful of factors determine your band: payment history, utilization, the age of your accounts, your credit mix, and recent inquiries. The two that tend to move fastest are utilization, which can update within a billing cycle, and payment history, which improves with every on-time payment and suffers from any missed one. For the full ranked list of levers, see how to improve your credit score.

How long does it take to move up?

It depends on what is holding you back. A high utilization that you bring down can show up within a cycle or two. The drag from an old late payment on your credit report fades gradually over months and years. Serious derogatory marks age off on fixed legal timelines. No legitimate service can promise a specific score by a specific date, so be wary of anyone who does.

What are the 5 levels of credit scores?

The five levels of credit scores on the FICO model are poor (300 to 579), fair (580 to 669), good (670 to 739), very good (740 to 799), and excellent (800 to 850). Each level reflects how much lending risk your profile carries, with higher levels signaling lower risk. The labels are conventions rather than legal cutoffs, so a lender may draw its own line a few points either way.

What is the best credit score range?

The best credit score range is 800 to 850, the excellent band, which generally earns the lowest rates and the strongest terms a lender offers. That said, the practical gain slows down well before 850. Once you are comfortably into the 760 to 800 area, most lenders already offer you their best pricing, so chasing a perfect score rarely changes what you actually qualify for.

What credit score do most Americans have?

The average FICO score in the United States has sat in the low 700s in recent years, which places the typical American in the good band. That is an average, not a target: plenty of people sit above or below it, and where you fall matters less than the direction your score is trending. A profile moving up from fair to good will usually see better offers than a stalled score in the low 700s.

What does a 300 credit score mean?

A 300 is the absolute floor of the FICO and VantageScore scales, and almost nobody actually has one. In practice a score anywhere in the 300s means the file carries serious recent damage: a bankruptcy, multiple charge-offs or collections, or a stretch of missed payments across several accounts. It is a starting point, not a life sentence.

What matters more than the number is that the bottom of the range is where progress is fastest. Scores are elastic down here, so the first six months of perfect payment history and lower balances move a 300s file further than a year of effort moves a 750. Secured cards and credit builder accounts exist precisely for this situation, and our guide to building credit from scratch covers the sequence.

One caution: if you see a number that low and cannot account for it, check all three reports free at annualcreditreport.com before you assume it is accurate. Identity theft and mixed files both produce scores that do not match the borrower's actual behavior.

Is an 839 or 840 credit score good?

Yes, and it is functionally identical to an 800 for every practical purpose. Both sit in the top FICO band, and lenders do not price an 840 borrower better than an 800 borrower. Mortgage rate improvements largely stop above 760, so the last 80 points buy you bragging rights rather than money.

Perfect 850s exist but are uncommon and unstable, because the models reserve the very top for files with long history, deep account age, and near-zero reported utilization. An 839 that drops to 828 next month has not developed a problem, it has reported a slightly higher card balance. At this level, month-to-month movement inside the top band is noise.

If your score is already in the 800s, the useful question is no longer how to raise it. It is what you are doing with it: repricing a mortgage, negotiating a card limit, or shopping insurance in states where credit-based scores are permitted. Our breakdown of the credit score you need to buy a house shows where the rate tiers actually stop rewarding you.

Where Creditpal fits

Creditpal connects your profile read-only and shows which band you are in and what is keeping you there, in plain language. The credit score simulator lets you see the likely direction of a change, such as paying down a card, without ever promising a number, and a tailored credit improvement plan sequences the steps toward your next band. It is educational coaching, not a lender funnel. Get your free reports at annualcreditreport.com, and learn your rights at the CFPB, consumerfinance.gov.