On the FICO scale of 300 to 850, a score from 670 to 739 is generally considered good, 740 to 799 is very good, and 800 or higher is exceptional. VantageScore also uses a 300 to 850 range but labels its ranges differently. Lenders set their own cutoffs, so the score that qualifies you for a card or loan can be higher or lower than these general labels.
FICO Scores generally fall into five ranges: 300 to 579 is poor, 580 to 669 is fair, 670 to 739 is good, 740 to 799 is very good, and 800 to 850 is exceptional. Your score can differ from one bureau to another because each bureau holds slightly different information in your file.
No. You have many scores. Each credit bureau holds a slightly different file, and scoring models come in several versions. Mortgage lenders commonly look at the middle of three bureau scores, while other lenders may use a different version of the score.
For FICO Scores, payment history carries the most weight at about 35 percent, followed by amounts owed at about 30 percent, length of credit history at about 15 percent, new credit at about 10 percent and credit mix at about 10 percent. Paying on time and keeping balances low compared with your credit limits matter most.
There is no set timeline. How quickly a score changes depends on your history, what is on your report and how each item is reported. Be cautious of any company that promises a specific score or a fixed timeline, because nobody can know that in advance.
Last reviewed October 15, 2026 by Sandra Ruiz, CEO.
Start with a free consultation and a general review of your credit scores from the three bureaus. Individual results vary.