Credit Guide 2025
What Does Your Credit Score Mean?
The average US FICO score is 716 — Good tier. A 760+ score unlocks the best mortgage rates. A 620 score costs $200+/month more on a $300k mortgage.
FICO Score Ranges
Exceptional800–850
Qualifies for best rates on all products
Very Good740–799
Near-best rates on most products
Good670–739
Most loans available; not best rates
Fair580–669
Limited options; higher rates
Poor300–579
Difficulty getting approved; secured cards only
Credit Card Interest Costs
How much carrying a balance actually costs you.