What Your Credit Score Means

Good, fair, or poor depends entirely on your number and what you want to do with it. Pick your exact score below to see what it qualifies you for, the rates lenders will offer, and the fastest way to climb into the next tier.

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Frequently asked questions

What is considered a good credit score?

On the common 300 to 850 FICO scale, 670 to 739 is generally good, 740 to 799 is very good, and 800 and up is excellent. Scores from 580 to 669 are fair, and below 580 is poor. Lenders read these bands differently, so a score that is fine for one product may fall short for another.

Is my exact credit score good or bad?

It depends on the band your number falls in and what you want to do with it. Pick your score from the list on this page to see what it qualifies you for, what rates to expect, and the fastest way to move up to the next tier.

How fast can I raise my credit score?

Some moves work in one to two statement cycles, like lowering your credit card utilization or fixing a reporting error. Others, like building payment history, take longer. Many people see a 20 to 40 point change within a couple of months when there are real errors to fix or high balances to pay down.

Does checking my own score lower it?

No. Checking your own credit is a soft inquiry and never affects your score. Only a hard inquiry from applying for new credit can cause a small, temporary dip.

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Credit Booster AI maps your score to the next band and the moves that get you there.

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