How to Read Your Credit Score Numbers

Updated: Feb 12, 2023

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There are currently 5 evaluation outcomes when your credit score is checked.

Excellent

This is where your score is above 800 points. Lenders and insurers will regard you as zero risk and you will qualify for the best terms have to offer.

See card offers for Excellent score.

Very Good or Good

Where your score falls between 700 and 800. Lenders will regard you as being a low risk customer. You may have had some late payment history in the past, but overall you have used credit responsibly and will be considered a good risk. You could attract very competitive interest rates and good terms.

See card offers for a Good credit.

Reasonable or Fair.

This grading applies when the score is between 650 and 700 points. Here you are considered to be a modest risk. Your score might reflect a higher than average level of credit card debt or what is considered to be a high level of recent applications for new credit.

See card offers for a Fair credit.

Bad or Very Bad

If your points are below 650 you will attract a bad or very bad credit rating. This could be the result of a history of late payments or very high levels of credit card debt. The lender will probably consider you to be a high credit risk.

See card offers for a Bad score.

No Score

If you have no loan or other credit history or you have not used your credit card(s) for some time you may have no history. This does not mean you cannot get credit but it may limit your choice of financial service providers. Once you have opened a new credit card account and have used it responsibly for a while you will see your credit rate start to climb.

Main Credit Bureau Contact Information

  1. Equifax. Equifax.com/personal/credit-report-services. 800-685-1111
  2. Transunion. TransUnion.com/credit-help. 888-909-8872
  3. Experian. Experian.com/help. 888-EXPERIAN (888-397-3742)

Get your free Credit Report

You can get a free copy of your credit report from one of the three major US credit Bureaus. Other companies that monitor credit scores will also give free copies of your score.

Get a Free Annual credit score or check available credit report offers.

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