When your credit score is under 750, you probably have a negative entry like a late payment. The easiest way to quickly improve your credit score is to get that negative entry removed. If you’re the type of person who would rather have a professional handle it and just be done with the whole thing, I suggest you check out Lexington Law Credit Repair. They’ll take care of you. Give them a call at 1-844-764-9809 or Check out their website. (They are open on weekends)
Credit Score Ranges
First of all, if you want to see your most up-to-date credit score for free, you can get it from TransUnion.
- Excellent 780+ – With an excellent score of 780 or higher you will get the best rates available.
- Very Good 720 – 779 – This is a very strong score and you shouldn’t have any problems getting good rates.
- Good 680 – 719 – This is a good credit range to be at, but you won’t get the very best rates.
- Average 620 – 679 – Your score could use some improvements but you should still be able to get decent rates.
- Poor 580 – 629 – A credit score in this range indicates that you’re higher risk and might have trouble finding decent rates.
- Very Poor 579 or less – Anything less than 580 means that you’re very high risk. Don’t worry though, this can be fixed.
Credit Scores – Where You Stand
| Very Poor | Poor | Average | Good | Very Good | Excellent |
| 579 | 619 | 679 | 719 | 779 | 800+ |
| 578 | 618 | 678 | 718 | 778 | 799 |
| 577 | 617 | 677 | 717 | 777 | 798 |
| 576 | 616 | 676 | 716 | 776 | 797 |
| 575 | 615 | 675 | 715 | 775 | 796 |
| 574 | 614 | 674 | 714 | 774 | 795 |
| 573 | 613 | 673 | 713 | 773 | 794 |
| 572 | 612 | 672 | 712 | 772 | 793 |
| 571 | 611 | 671 | 711 | 771 | 792 |
| 570 | 610 | 670 | 710 | 770 | 791 |
| 569 | 609 | 669 | 709 | 769 | 790 |
| 568 | 608 | 668 | 708 | 768 | 789 |
| 567 | 607 | 667 | 707 | 767 | 788 |
| 566 | 606 | 666 | 706 | 766 | 787 |
| 565 | 605 | 665 | 705 | 765 | 786 |
| 564 | 604 | 664 | 704 | 764 | 785 |
| 563 | 603 | 663 | 703 | 763 | 784 |
| 562 | 602 | 662 | 702 | 762 | 783 |
| 561 | 601 | 661 | 701 | 761 | 782 |
| 560 | 600 | 660 credit score | 700 | 760 | 781 |
| 559 | 599 | 659 | 699 | 759 | 780 |
| 558 | 598 | 658 | 698 | 758 | |
| 557 | 597 | 657 | 697 | 757 | |
| 556 | 596 | 656 | 696 | 756 | |
| 555 | 595 | 655 | 695 | 755 | |
| 554 | 594 | 654 | 694 | 754 | |
| 553 | 593 | 653 credit score | 693 | 753 | |
| 552 | 592 | 652 | 692 | 752 | |
| 551 | 591 | 651 | 691 | 751 | |
| 550 | 590 | 650 | 690 | 750 | |
| 549 | 589 credit score | 649 | 689 | 749 | |
| 548 | 588 | 648 | 688 | 748 | |
| 547 | 587 | 647 | 687 | 747 | |
| 546 | 586 | 646 | 686 | 746 | |
| 545 | 585 | 645 credit score | 685 | 745 | |
| 544 | 584 | 644 | 684 | 744 | |
| 541 | 583 | 643 credit rating | 683 | 743 | |
| 540 | 582 | 642 | 682 | 742 | |
| 539 | 581 | 641 | 681 | 741 | |
| 538 | 580 | 640 | 680 | 740 | |
| 537 | 639 | 739 | |||
| 536 | 638 | 738 | |||
| 535 | 637 | 737 | |||
| 534 | 636 | 736 | |||
| 533 | 635 | 735 | |||
| 532 | 634 | 734 | |||
| 531 | 633 | 733 | |||
| 530 | 632 | 732 | |||
| 529 | 631 | 731 | |||
| 528 | 630 | 730 | |||
| 527 | 629 | 729 | |||
| 526 | 628 | 728 | |||
| 525 | 627 | 727 | |||
| 524 | 626 | 726 | |||
| 523 | 625 | 725 | |||
| 522 | 624 | 724 | |||
| 521 | 623 | 723 | |||
| 520 | 622 | 722 | |||
| 519 | 621 | 721 | |||
| 518 | 620 | 720 | |||
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| 500 |
Moving Up The Credit Score Ranges
Like I said, don’t worry if your credit score is sitting at the lower end of the credit score ranges. You can improve your credit score in no time if you dedicate some time to learning about how credit repair works. Read my article Starting Your Credit Repair Journey to improve your credit score quickly.
Have you ever seen anyone with a score of over 830? I heard that it can go all the way up to 850 but never seen any score that high.
Yeah, from what I understand (and have heard others say) is that nobody really has a score above 830.
Mine is, surprisingly , 836. I just checked it a couple of hours ago. Not totally sure how it improved so much, so quickly. But somehow it did. I’m not going to complain. I’m in Canada, though. Perhaps it’s slightly different here. Or are you here as well?
I read somewhere that the highest FICO score is 826
Actually now that you mention it, I think I’ve read the same thing.
I have a 685 credit score, is that good?
Check out the chart
What about 636 credit score, I think that’s good, do you?
Check chart above 🙂
I had a cosign on a car loan and have improved my credit from bad to average. I sit at 638 at present. My car was recently hit and totaled. The pay out will be enough to cover my car loan with a little extra. I was hoping to get a new car. My credit union approved a lone on my own at 8.9% on a used car or 7.9% on a new but not enough to look at a new car. They said since I have not had a loan of that size before they would not take that step even though my financials show I can afford it (I was pre-approved but the underwriter moved back the amount allowed). Should I see about getting a loan though the dealership (my understanding is they tend to have more give) or is what my bank offering a better choice long term for my credit. One site said not to be afraid to get multiple offers to get the best deal but I am worried doing so could be a big negative with multiple creditors touching my recovering credit score. Also is the rate offered by my credit union going to be about the average or will a dealer offer a lower or higher rate based off of my credit score.
Personally, I wouldn’t get a car loan at 7.9%.. that’s too high.. I’d get a junker and save up.
I’ve had a FICO of 836 for a short period. It’s been at 828 for a while now. So I guess it’s theoretically possible to have above 826.
Yup
I am 826 and have been as high as 830. I just paid off a JUMBO mortgage, so it will be interesting to see if my rate drops as I don’t need to borrow right now.
I have a credit score of 733 and my girlfriend has a score of 593( due to student loans and high car payments/insurance) can we combine the two scores and have something average? Or is it still poor? We are looking to get an apartment and worried that we wont be approved.
You can’t combine them. Perhaps only put your name on the lease?
Is there a resource that allows you to view acceptable/average rates one may get on different respective loan types based on their credit standing?
It depends on the type of loan you want.
Scores 646 recently paid a collection 0f $418 how high and soon will my score go up/reflect
Did you ask them to remove it in exchange for paying it off? If not.. you should read my post on how to remove collections from your credit report.
My FICO score is 720 but Equifax and Experisn report 637. Is this going to be an issue as I just applied for a HELOC.
It might be. Acceptance of that loan will depend on a variety of factors.
I have a 766 … hoping to crack 780 by June next year
How’s your progress?
I have a 578 score with one credit bureau and a 676 with another. I know they vary to some degree but how is this possible??
I’d check to make sure they have consistent data. In other words, does one credit bureau show an account that the other doesn’t have listed?
I have a poor credit score of 572, but my 22 year old son has a 729 but with low income. If my income shows I can afford a car payment of $400/mo, can he be a cosigner on a car loan for me?
Sure