Lenders choose between different models, though 90% of top lenders use FICO® Scores. Standard ranges for these scores include: What Is a Good Credit Score? - Experian
: Recent hard inquiries and newly opened accounts. Scoring Models and Ranges experian credit scores
: Includes total debt and credit utilization (percentage of available credit used). Lenders choose between different models, though 90% of
: The variety of accounts, such as credit cards, mortgages, and auto loans. Scoring Models and Ranges : Includes total debt
: The most critical factor; even one 30-day late payment can cause a significant drop.
Experian credit scores, primarily FICO® Scores and VantageScore® models, are numerical representations of creditworthiness ranging from 300 to 850. As of September 2025, the average U.S. credit score was 713. Core Scoring Factors
Scores are calculated using data from your Experian credit report based on five weighted categories: