What Is Considered a Good Credit Score in the U.S.?

 

In the U.S., credit scores of 670 or higher are generally considered good.

Credit scores help lenders evaluate risk, but many people are unsure what “good” actually means.

Credit Score Ranges

Most models use a scale from 300 to 850:

• 300–579 → Poor

• 580–669 → Fair

• 670–739 → Good

• 740–799 → Very Good

• 800–850 → Excellent

What Lenders Usually Look For

• 670+ → acceptable for many products

• 720+ → better rates

• 760+ → best offers

Why “Good” Depends on the Lender

Different lenders prioritize:

• income

• debt levels

• credit history length

A score alone does not guarantee approval.

Real-Life Example

Two applicants with a 700 score:

• One has low debt → approved

• One has high debt → denied

FAQ

Is 700 a good score?
Yes, but it’s not the highest tier.