Credit Score Guides by Number

Is a 500 credit score good? A 500 FICO score is in the poor range, qualifying for 10%-down FHA loans and secured cards while you rebuild payment history.

Is a 550 credit score good? A 550 FICO score is in the poor range—just 30 points from fair credit—qualifying for secured cards and credit-builder loans.

Is a 580 credit score good? A 580 FICO score enters the fair range and meets the minimum threshold for an FHA mortgage with a 3.5% down payment.

Is a 600 credit score good? A 600 FICO score is in the fair credit tier, unlocking starter unsecured cards, auto financing, and FHA home loan options.

Is a 620 credit score good? A 620 FICO score is a key fair-credit milestone that meets the standard minimum cutoff for conventional mortgage loans.

Is a 650 credit score good? A 650 FICO score sits near the top of the fair range—only 20 points from good credit and mainstream rewards card approvals.

Is a 670 credit score good? Yes—670 marks the start of the good FICO range, qualifying borrowers for mainstream rewards cards and competitive loan APRs.

Is a 700 credit score good? A 700 FICO score is solidly in the good range, giving you strong approval odds on cash back cards, auto loans, and mortgages.

Is a 720 credit score good? A 720 FICO score is near the top of the good tier—just 20 points from very good pricing on mortgages and travel cards.

Is a 740 credit score good? A 740 FICO score enters the very good range, unlocking top-tier mortgage rates, low auto APRs, and premium travel cards.

Is a 760 credit score good? A 760 FICO score is in the very good tier, qualifying you for lenders' lowest published interest rates and high card limits.

Is a 780 credit score good? A 780 FICO score is at the top of the very good range, offering near-exceptional approval odds and elite card perks.

Is a 800 credit score good? An 800 FICO score is in the highest exceptional tier (800–850), qualifying for the best interest rates and luxury cards.