An excellent credit score is generally considered to be a score of 800 or above on the common credit scoring scale that ranges from 300 to 850. Credit scores in this range are seen as low-risk by lenders and usually make it easier for individuals to get loans or credit with the best terms and lowest interest rates. Here are common credit score ranges for reference:
- Excellent: 800 to 850
- Very Good: 740 to 799
- Good: 670 to 739
- Fair: 580 to 669
- Poor: 300 to 579
Achieving an excellent credit score means you have a strong history of
responsible credit use and payments, which builds confidence with lenders.
This score category typically unlocks the best financial opportunities
available for credit and loans. This classification is consistent across
multiple sources including Equifax, Experian, and other credit bureaus that
use similar metrics to evaluate credit risk. So, to summarize:
An excellent credit score is 800 or above on the 300-850 scale. This
information reflects the most widely used credit scoring models and how
lenders view creditworthiness based on those scores.
