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The good credit score range would be any score between 660 and 759. Let me simplify it down for you, then we’ll get into the details of each bracket. There are 5 brackets, or levels, when it comes to your credit score:

  • Excellent – 760+
  • Good – 660+
  • Fair – 620+
  • Poor – 580+
  • Bad – Under 580

Now, let’s dive into the detailed requirements necessary to obtain a credit score that lies within each of these credit score brackets.

What is a good credit score range

760-800+ Excellent Credit Score Range

100% on-time payment history
Zero derogatory marks
Credit utilization less than 7%
Over 9 years account age
Open and current – 9+ accounts
Total reporting – 21+ accounts
No hard inquiries in the last 2 years

660-759 Good Credit Score Range

99% on-time payment history
No more than 1 derogatory mark
Credit utilization between 8% and 19%
7-8 years account age
Open and current – 6-9 accounts
Total reporting – 16-20 accounts
Hard inquiries in the last 2 years – 1-2

620-659 Fair Credit Score Range

98% On Time Payment History
No more than 2 derogatory marks
Credit utilization between 20% and 49%
5-6 years account age
Open and current – 3-6 accounts
Total reporting – 11-15 accounts
Hard inquiries in last 2 years – 3-4

580-619 Poor Credit Score Range

97% on-time payment history
Less than 4 derogatory marks
Credit utilization between 50% and 74%
2-4 years account age
Open and current – 1-3 accounts
Total reporting – 6-10 accounts
Hard inquiries in last 2 years – 5-8

300-579 Bad Credit Score Range

Less than 96% on-time payment history
More than 3 derogatory marks
Credit utilization above 75%
Less than 2 years account age
Open and current- 0-3 accounts
Total reporting – 0-5 accounts
Hard inquiries in last 2 years – 9 or more

Reaching and maintaining an excellent credit score is just short of impossible. If your score isn’t excellent, or even good, don’t beat yourself up about it.

In fact, 75% of all Americans have less than excellent credit. If you need help repairing your credit score, I encourage you to register for our program. We only charge per deletion so you don’t pay until you get results.

If you’re question isn’t listed, contact me and I will add it to the list. Did the answer the question, “What is the good credit score range?” I hope it did but if not keep reading for various ways to contact me.

You can learn more about our payment structure here. It explains all the ends and outs. Also check out our FAQs page for answers to any questions you might have concerning the program.

You can reach me via the contact form on this website. You can call me or text me, and you can also email me. Shoot, you can even leave a comment below and I’ll get back to you. Several ways to reach me so don’t hesitate!

I hope to hear from you soon and thanks for reading!

This Post Has 10 Comments

  1. LineCowley

    I have often wondered what is a good credit score, so it was very good to come across this post to show the different levels within the credit scoring system. I do find it confusing though that the FICO score is different to the explanations below the image. For instance the FICO score indicates that exceptional is a score of between 800 and 850, whereas the description says excellent is 760 to 800. Can you clarify that please? 

    I am not familiar with the term “hard inquiry”, so what would a hard inquiry be? Thank you. 

  2. Rohit

    This analysis of credit score explains why some of us find it so difficult to get a loan or even if we get one, the interest charges are quite high. 

    Is this credit score range applicable worldwide? I am sort of aware of its applicability in India.

    Thanks for sharing your offer for a credit score repair. This is certainly going to help many.

    Best Regards,

    Rohit

  3. Rohit Kumar

    So when do hard inquiries get on our credit reports?

    1. Dalton
      Dalton

      Every time you apply for credit cards, loans, and/or financing, etc.

  4. Michael

    A credit score is a topic that is so important. It can benefit most aspects of life such as buying a house, car and other things too. I think credit score should be taught from a young age as it is something that you should be started right at the start of adulthood. That way it gives the person time to build the score up

  5. Lynn

    Thanks for the detailed credit score breakdown. I don’t think that I’ve ever seen it spelled out like this. I did not realize that the actual age of the accounts was a factor. So, I guess it’s better to leave accounts open, even if you only use them every now and then. I’ve always been aware that you should keep hard inquiries to a minimum. 

  6. Stephanie

    I am 26 years old and I have no established credit score – at all. Not until my early 20s did I learned the hard way that I couldn’t afford high cost purchases such as a vehicle or a home unless I had credit. For a beginner, what would you recommend to start building up some credit? And also, what are the long term consequences of not doing so?

    1. Dalton
      Dalton

      I didn’t know it at the time but I established my credit before the age of 18. I dropped out of high school the first semester of my junior year. Then got my GED and start college when everyone in my class was starting their senior year. I took out a student loan and I didn’t realize it established my credit score until around 6 years later. I also added accounts unknowingly when I somehow created a fingerhut account while I was surfing the web one day. I never used any of the credit so it showed on time payment history for years. Also when I was 19 I went to Best Buy with a friend to buy new speakers for my car. The checkout lady was cute and persuaded me into applying for a Best Buy credit card which I was approved for a $1,000 limit. By this point I still didn’t understand credit and I know that when that Best Buy card came in I threw it away without knowing it was $1000. So having these 3 open and positive lines of credit put me close to 800 before I understood the fundamentals of credit. Hope this answers your question! 😊

  7. Ruth

    If you have a bad credit mark or credit score and you want to change it and improve it so you can apply for a loan and do everything right for 6 months is that long enough to change your previous score and what is the quickest way you can change the bad credit score?

    1. Dalton
      Dalton

      Ruth, it’s important not to over complicate credit. Credit reports are simply a list of all your accounts and the status of those accounts. It’s meant to represent your responsibility in regards to paying back money that is loaned to you, in whatever such way (car lease, mortgage, credit card, loans.)

      Yes 6 months is enough time to change your score up to 500 points (the entire credit score spectrum [350-850]) but it’s different for everyone.

      For example, if someone’s credit report is full of fraudulent accounts that didn’t belong to the person their score could drop to 350.

      And let’s say that person only has 2 credit cards never been late, an auto loan never been late, a student loan never been late, and a mortgage never been late.

      The other 10 maxed out and late credit accounts that were fraudulent will eventually be deleted after disputing them, and hypothetically it could raise this individuals score from 350-850 in 45 days or less.

      Obviously this isn’t usually the case. Most of us have some credit card debt we just couldn’t pay and we kind of blew them off. Doesn’t mean we don’t have some positive accounts that for whatever reason we fill more obligated to pay on time.

      The goal is to add positive accounts and dispute negative ones for inaccuracies, even if they do belong to you. You want all positive no negative.

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