While specific criteria vary by lender, general benchmarks for a 300–850 range include: 800+ Very Good: 740 – 799 Good: 670 – 739 Fair: 580 – 669 Poor: 300 – 579

What is a credit score? | Consumer Financial Protection Bureau

How many new accounts or "hard inquiries" you have recently made. 10%

The most common scoring model, the , uses five main categories of data from your credit reports to determine your number. What it measures Payment History 35% Your track record of on-time or late payments. Amounts Owed 30%

The variety of accounts you have (e.g., credit cards vs. student loans). ✅ What is a "Good" Score?