Customer Service

FICO® Score Ranges

FICO® scores can range from 300 to 850, but the majority of scores usually fall within the 600s and 700s. Since there is no one universal score cutoff used by all lenders, it is hard to say what a good score is outside the context of a particular lending decision. For example, a score of 750 may qualify you for a platinum credit card, whereas a score of 675 may indicate you are a better match for a standard card.

Your lender may be able to give you guidance on the criteria that it uses for a specific credit product. Based on the general population's FICO® scores, the ranges and percentages of scores are:

• 20% are above 780
• 20% are in the range of 745 - 780
• 20% are in the range of 690 - 745
• 20% are in the range of 620 - 690
• 20% are below 619

While many lenders use FICO® scores to help them make lending decisions, each lender has its own strategy, including the level of risk it finds acceptable for a specific credit product.