That’s because depending on the type of loan you’re asking for and the lender examining your paperwork, different lenders may have different standards for what constitutes good credit.
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It’s possible that the scores you receive will rely on the credit scoring algorithm that each lender utilized when you add them all together.
Credit Card Wells Fargo
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Credit Score
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When you apply for new credit, you aren’t informed of the precise threshold that separates a good credit score from a bad one for that specific lender. That’s because lenders typically don’t make their credit score requirements public knowledge.
However, the most popular credit scoring model, FICO, offers some useful data that potential borrowers can utilize as a reference. The range of the most popular FICO scores is 300 to 850. A credit score between 670 and 739 on that scale is typically regarded as “excellent.”
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What is a good credit?
Credit scores are used to determine a person’s likelihood of making on-time loan and credit card payments. That’s not too difficult. But it can be more challenging to attempt to define what a good score is.
It’s generally best to start with well-known credit-scoring firms FICO® and VantageScore®, which provide two of the several varieties of credit scores, if you’re just searching for a quick answer.
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But it goes far deeper than that. Continue reading to learn more about credit scores, including how they’re calculated, who checks them, and what you can do to keep track of and raise your own.
Good Credit Basics
Before continuing, it might be helpful to clarify a few points regarding credit ratings. The Consumer Financial Protection Bureau (CFPB) states that credit report data is frequently used to calculate scores. Additionally, they are determined by firms like FICO and VantageScore utilizing intricate calculations referred to as scoring models.