The average U.S. FICO® Score is 715, according to credit monitoring bureau Experian, where it's remained since 2023. FICO is the data analytics firm whose scoring models are used in 90% of lending ...

But what counts as a "good" credit score depends on the scoring model. The most common credit scoring models are FICO® Score and VantageScore®, and while they’re similar, there are some ...

Credit-scoring models have various ranges -- from "poor" or "subprime" to "excellent" or "super-prime" -- depending on the ...

Does that mean hitting the highest possible credit score — 850 — is a goal worth striving for? Admittedly, a good to excellent credit score can make a major difference in a person's financial ...

A 715 credit score is near the top of the good range, but you're still slightly out of reach of the lowest interest rates. Many, or all, of the products featured on this page are from our ...