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25 Score Guides

Credit Score Guides: What Every Score Means

Explore what you qualify for at every credit score from 300 to 850 — mortgage rates, auto loans, credit cards, and personalized improvement plans.

Deep Subprime

(300–499)

Manual underwriting only; secured cards and credit repair priority.

Manual underwriting only; secured cards and credit repair priority.

Manual underwriting only; secured cards and credit repair priority.

Manual underwriting only; secured cards and credit repair priority.

Poor

(500–579)

FHA mortgage with 10% down; secured cards; high-rate auto loans.

FHA mortgage with 10% down; secured cards; high-rate auto loans.

FHA mortgage with 10% down; secured cards; high-rate auto loans.

FHA mortgage with 10% down; secured cards; high-rate auto loans.

FHA mortgage with 10% down; secured cards; high-rate auto loans.

Fair

(580–619)

FHA with 3.5% down; basic unsecured cards; subprime auto.

FHA with 3.5% down; basic unsecured cards; subprime auto.

Fair/Moderate

(620–659)

Conventional mortgage; standard cards; near-prime auto rates.

Conventional mortgage; standard cards; near-prime auto rates.

Conventional mortgage; standard cards; near-prime auto rates.

Good

(660–699)

Good rates; rewards cards; SBA business funding accessible.

Good rates; rewards cards; SBA business funding accessible.

Very Good

(700–739)

Strong approval; premium rewards cards; great mortgage rates.

Strong approval; premium rewards cards; great mortgage rates.

Excellent

(740–799)

Best mortgage rates; elite cards; super-prime auto APRs.

Best mortgage rates; elite cards; super-prime auto APRs.

Best mortgage rates; elite cards; super-prime auto APRs.

Best mortgage rates; elite cards; super-prime auto APRs.

Exceptional

(800–850)

Top tier — invitation-only cards; lenders compete for your business.

Top tier — invitation-only cards; lenders compete for your business.

Top tier — invitation-only cards; lenders compete for your business.

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