Credit Score Chart Apr 2026

Lenders group these numbers into tiers to quickly judge your financial health: Score Range Potential Lending Impact Access to the best interest rates and terms. Very Good Above-average credit; qualifies for competitive rates. Good Lenders consider this "average" and likely to pay on time. Fair

High risk; difficulty getting approved for loans or credit cards. What Makes Up the Score? credit score chart

Your score is calculated based on five specific categories from your credit report: How are FICO Scores Calculated? - myFICO Lenders group these numbers into tiers to quickly

Higher risk; often results in worse-than-average interest rates. Fair High risk; difficulty getting approved for loans

For most people, a "credit score" refers to the , which is the most widely used metric for determining creditworthiness. These scores range from 300 to 850 , with a higher number indicating lower risk to a lender. Credit Score Ranges