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Having good credit is important, because it determines whether you’ll qualify for a loan.

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For a score with a range between 300-850, a credit score of 700 or above is generally considered good.

A score of 800 or above on the same range is considered to be excellent. Higher scores represent better credit decisions and can make creditors more confident that you will repay your future debts as agreed.

For others, the best way to establish credit may be to work with your bank or credit union to open account with a small credit limit to get you started.

Opening a secured credit card is another way to get started building your credit.

Then, with time and good account management, a good credit history (and scores) will be within your reach.

Credit Reports and Credit History: Credit scores are not included with credit reports.

Credit scores are used by lenders, including banks providing mortgage loans, credit card companies, and even car dealerships financing auto purchases, to make decisions about whether or not to offer your credit (such as a credit card or loan) and what the terms of the offer (such as the interest rate or down payment) will be. FICO® Scores and scores by Vantage Score are two of the most common types of credit scores, but industry-specific scores also exist.

One of the most well-known types of credit score are FICO Scores, created by the Fair Isaac Corporation.

FICO Scores are used by many lenders, and often range from 300 to 850.

A FICO Score above 670 is considered a good credit score on these models, and a score above 800 is usually perceived to be exceptional.

Other than your credit report and credit scores, lenders may also consider your total expenses against your monthly income (known as your debt-to-income ratio), depending on the type of loan you’re seeking.

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