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What’s Considered a Good Credit Score?

Blog Post10/05/2020
Credit Advice Credit Score Basics
What’s Considered a Good Credit Score?

If you’re trying to build or maintain healthy credit, knowing what’s considered a “good” score can be helpful. As you know, a good credit score can help you get approved and get better rates for loans and other credit.

Higher is generally better, but it’s hard to say specifically what a “good” score is. What’s considered a good score can differ by lender and based on the credit you’re applying for. There are also different scoring models, so a good score may vary depending on what product or services you use to see your scores. That said, read on to learn what a good credit score range is when you check your score with TransUnion.

Credit score ranges

The credit score you see from TransUnion is based on the VantageScore® 3.0 model. Scores in this model range from 300 to 850. A good score with TransUnion and VantageScore 3.0 is between 661 and 720. As your score climbs through and above this range, you can benefit from the increased freedom and flexibility healthy credit brings. Some people want to achieve a score of 850, the highest credit score possible. Having this “perfect” score may feel like a win, but nothing specific unlocks if you hit that magic number.

If you’re signed up for TransUnion Credit Monitoring, you may also see a letter grade with your credit score. For VantageScore 3.0, an A score is in the range of 787 – 850, while a B score is 720 – 780. A score of 658 – 719 is labeled a C. Think of these rankings and ranges as guides, not hard and fast rules for what good credit is. You can use them to help stay on the right track, but they don’t necessarily indicate if you will or won’t be approved for credit. As you develop your credit health, you can use CreditCompass™ to get clear recommendations on actions you can take to help achieve your credit score goals.

More than a score

Your credit score likely is not the only thing a lender looks at to make a lending decision. For example, if you apply for a mortgage, lenders may also verify your income, personal assets and employment history. Because lenders look at multiple factors, it’s important to strive for overall financial wellness in addition to any credit score goal you may have. Building an emergency savings account and creating a plan to pay down debt, if you have any, will help you be more financially secure and can reflect positively in your credit health.

We’ve talked a lot about scores here, but we can’t ignore the importance of checking your credit reports. Since your scores are based off the information in your reports, take time to review your reports regularly to make sure they’re accurate and up to date. Monitoring your credit regularly will help you track your progress toward your credit goals and help you achieve the credit opportunities you deserve.

Disclaimer: The information posted to this blog was accurate at the time it was initially published. We do not guarantee the accuracy or completeness of the information provided. The information contained in the TransUnion blog is provided for educational purposes only and does not constitute legal or financial advice. You should consult your own attorney or financial adviser regarding your particular situation. For complete details of any product mentioned, visit This site is governed by the TransUnion Interactive privacy policy located here.

What You Need to Know:

There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score you receive is based on the VantageScore 3.0 model and may not be the credit score model used by your lender.

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