Credit score
Jump to a section
A number a computer works out from your credit report. The grade comes from the transcript: no transcript, no grade. No score is a blank score, not a bad one.
You have many scores (different bureaus, different formulas like FICO and VantageScore). If the file underneath is right, they move together.
- US (FICO): 670–739 is good.
- Canada (Equifax): 660–724 is good, and scores run up to 900.
From FILE 005: what is a good credit score?, or see what moves yours with the free Credit Score Simulator.
Sources
Official and government data first. Every quote is word for word; follow the link to check it yourself.
Consumer Financial Protection Bureau · “What is the difference between a credit report and a credit score?”
“Your credit scores are calculated based on the information in your credit report.”
consumerfinance.gov (opens in a new tab)Experian · “What Is a Good Credit Score?”
“a credit score of 670 to 739 is considered good”
experian.com (opens in a new tab)Equifax Canada · “What is a Good Credit Score in Canada?”
“credit scores from 660 to 724 are considered good”
equifax.ca (opens in a new tab)Consumer Financial Protection Bureau · “What is the difference between a credit report and a credit score?”
“Your credit scores are calculated based on the information in your credit report.”
consumerfinance.gov (opens in a new tab)Experian · “What Is a Good Credit Score?”
“a credit score of 670 to 739 is considered good”
experian.com (opens in a new tab)Equifax Canada · “What is a Good Credit Score in Canada?”
“credit scores from 660 to 724 are considered good”
equifax.ca (opens in a new tab)