The ranges
Both main models run 300–850. A common breakdown: 300–579 poor, 580–669 fair, 670–739 good, 740–799 very good, 800+ exceptional. 'Good' (670+) is the point where most mainstream approvals open up.
You don't have one score — you have many, because lenders use different models and different bureaus. They move together, so focus on the habits, not on chasing a single number.
The thresholds that actually matter
Renting: many property managers screen around 620–640. Auto loans: rates drop meaningfully as you cross roughly 660 and again near 720. Mortgages: conventional loans generally start qualifying around 620, with the best pricing near 740+.
Because a 40-point move can shift your interest rate tier, small improvements can translate into real money over the life of a loan.
How to read your number
A score is a snapshot of risk from your report at one moment — it changes as balances report and time passes. Checking your own score is a soft pull and never lowers it, so check often.
Getting to the next tier
The fastest moves are the same at every level: pay on time, keep utilization low (under 10% if you can), fix report errors, and let accounts age. There's no shortcut that beats those four.
A 'good' score isn't a trophy — it's the threshold that unlocks better rates and approvals. Subefy shows all three bureau scores, what's holding each back, and simulates the moves to the next tier. Results vary; no specific score is guaranteed.