Lenders favor “Great” credit scores (750-809), and consumers with “Excellent” credit scores (810-850) fare even better, as they are considered prime borrowers and receive the most favorable loan interest rates.
Great - Excellent
Lenders favor “Great” credit scores (750-809), and consumers with “Excellent” credit scores (810-850) fare even better, as they are considered prime borrowers and receive the most favorable loan interest rates.
Good
Lenders view individuals with a "good" credit score (670-749) as low-risk borrowers, which means you are highly likely to qualify for competitive credit rates, better loan terms, and higher credit limits.
Good
Lenders view individuals with a "good" credit score (670-749) as low-risk borrowers, which means you are highly likely to qualify for competitive credit rates, better loan terms, and higher credit limits.
Poor - Fair
Scores in the “Fair” (560-669) and “Poor” (500-559) categories are generally not offered the most favorable interest rates on credit cards or loans.
Poor - Fair
Scores in the “Fair” (560-669) and “Poor” (500-559) categories are generally not offered the most favorable interest rates on credit cards or loans.
Very Poor
Consumers with “Very Poor” credit scores (300-499) are considered subprime borrowers, making it difficult for them to gain credit from many traditional lenders.
Very Poor
Consumers with “Very Poor” credit scores (300-499) are considered subprime borrowers, making it difficult for them to gain credit from many traditional lenders.
Your scores are based on your credit reports. Key factors include:
Negative Information
Late payments and accounts in collections can substantially lower excellent, great, and good credit scores.
Outdated Information
Accounts eventually drop off your credit report, so removing outdated information helps protect your credit scores.
Credit Report Errors
Creditors can make mistakes, and some errors can lower credit scores. Credit monitoring helps you spot errors on your credit reports.
ScoreSense lets you monitor your credit scores and reports.
Not all lenders report to all three credit bureaus, so your credit scores from TransUnion, Equifax, and Experian may differ. Accessing all three reports and scores gives you a complete credit profile and helps you understand what’s affecting your scores.
Get immediate access to your Experian, TransUnion, and Equifax credit scores and reports, plus updates that help you quickly spot any unauthorized accounts.
Receive Daily Credit Monitoring for suspicious activity, with alerts that notify you of any changes to your credit report.
Our Credit Specialists are available to offer personalized, one-on-one support for all your credit questions.
Visit our online Dispute Center to learn how to dispute any inaccurate information on your credit reports. The platform guides you through the dispute process step by step.
Credit Insights highlight the main factors affecting your credit scores, providing clear explanations so you can understand what drives your rating.
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Credit scores and ratings shown above are examples only.
*Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions, and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.
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