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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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