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

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

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

A credit score is a that summarizes your creditworthiness, representing how likely you are to pay back borrowed money on time. Most lenders use these scores—typically ranging from 300 to 850 —to decide whether to approve you for loans, mortgages, or credit cards, and to set the interest rates you will pay. 📊 How Scores Are Calculated