Credit Score Chart: Understanding the Range from 300 to 850
By CreditGM · Last updated July 2026 · 5 min read
Credit scores range from 300 to 850. Understanding where you fall and what each tier means is the first step to improving your financial life.
The Credit Score Chart
| Score Range | Rating | What It Means |
|---|---|---|
| 800-850 | Exceptional | Best rates on everything. Top-tier approval odds. |
| 740-799 | Very Good | Better than average rates. Easy approval. |
| 670-739 | Good | Near or above average rates. Generally approved. |
| 580-669 | Fair | Below average. Higher rates. Some denials. |
| 300-579 | Poor | Significant credit damage. High rates or denials. |
What Affects Your Credit Score Most
- Payment History (35%): On-time payments are the single most important factor
- Credit Utilization (30%): How much of your available credit you are using
- Length of Credit History (15%): How long your accounts have been open
- Credit Mix (10%): Having both revolving (cards) and installment (loans) accounts
- New Credit (10%): Recent applications and new accounts
Moving Up the Chart
The fastest moves come from removing negative items (disputes), reducing utilization, and adding positive history. CreditGM works on all of these simultaneously.
Get your free analysis and find out exactly where you fall on the chart and what it will take to move up.
GM
Written by CreditGM Credit Specialists
CreditGM is a CROA-compliant credit repair company in Scottsdale, AZ. Our bilingual specialists serve clients in English, Spanish and French. All content is reviewed for accuracy and legal compliance.
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