Credit Score Range May 2026

Also known as credit utilization. Keeping your balances low relative to your limits is critical [22, 34].

While different lenders and bureaus like Equifax and Experian may group scores slightly differently, they generally follow these tiers: Borrowers in this range are considered minimal risk [23]. credit score range

Having a variety of credit types, like credit cards and installment loans [22]. Also known as credit utilization

Your score dictates the "price" of the money you borrow [14, 24]. including the FICO Score

The age of your oldest and newest accounts [22].

Most models, including the FICO Score , prioritize five core factors: