Different Ranges of Credit Scores: Good & Bad Credit Score Range

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What are the Credit Score Ranges?

Different credit bureaus might use different scoring models. But, in general, it is accepted that a credit score above 700-750 is generally considered good, while one below 650 is considered to be either fair or bad.

The common credit score ranges are as follows:

Credit Score	Range	Meaning
NA/NH	“Not Applicable” or “No History”	You have not used a credit card, and/or never taken a loan. Thus, you do not have a credit history.
300-549	Poor	You might have numerous missed payments or defaults on credit card bills or EMIs, or poor credit utilisation, or a high number of credit enquiries, You will be considered a high risk by lenders of defaulting on your loans, Lenders might not approve your loans or credit applications.
550-649	Fair	You may have some irregular or late payment of credit card bills/EMIs or multiple credit inquiries, You might be considered a risk for lenders, Many lenders may not approve your loans; those who do will likely have higher interest rates and down payments
650-749	Good	You have a history of good repayment behaviour in the past, You will be considered a lower risk of defaulting, Most lenders may approve your credit, but you might not get the best rates
750-799	Very Good	You have regular credit payments, a long credit history, responsible repayment behaviour, You will be considered a low risk for lenders, Lenders will likely be approved for credit, and get good deals on loans.
800-900	Excellent	You have displayed excellent financial management, regular credit payments, low credit utilisation, and exemplary credit history, You will be considered a very low risk for lenders, Banks and lending institutions will give you the best rates and favourable terms on loans and credit cards.

What are the Various Ranges of Credit Scores?

What are the Credit Score Ranges?

What is Considered a Good Credit Score?

What is a Bad Credit Score?

Why is it Important to have a Good Credit Score?

Frequently Asked Questions

✓ Can you have no credit score?

✓ Why does the credit score not start from 0?

✓ Will you start out with a credit score of 300?

✓ What factors affect your credit score the most?

✓ Are credit scores the same across the world?

✓ Why is your credit score different at different credit bureaus?

Other Articles about Credit Score

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