We are not a credit repair organization, so we are unable to provide advice for how you can increase your score. For information on credit scores and tips for managing your financial health, click the Credit Basics tab above.

There are many reasons why a score could change from month to month. View your key score factors to see the top factors that affected the score. For additional information, you may want to refer to your credit report, which you can request at AnnualCreditReport.com from any of the three major credit bureaus.

It's hard to say what a good FICO Score is outside the context of a particular lending decision. For example, one auto lender may offer lower interest rates to people with FICO Scores above 680; another lender may use 720, and so on.

The general practice assumes that the higher the score, the better the credit quality. The FICO Score Meter next to your score on our webpage will give you a general idea of the strength of your FICO Score.

Below is a breakdown of FICO Score ranges found across the U.S. consumer population. It provides general guidance on what a particular FICO Score represents. Each lender has its own credit risk standards.

• 800 or Higher, Exceptional: Your score is well above the average score of U.S. consumers and clearly demonstrates to lenders that you are an exceptional borrower.
• 740 to 799, Very Good: Your score is above the average score of U.S. consumers and demonstrates to lenders that you are a very dependable borrower.
• 670 to 739, Good: Your score is near or slightly above the average score of U.S. consumers and most lenders consider this a good score.
• 580 to 669, Fair: Your score is below the average score of U.S consumers, though many lenders will approve loans with this score.
• Lower than 580, Poor: Your score is well below the average score of U.S. consumers and it demonstrates to lenders that you are a very risky borrower.