My Credit Score Is 700. Now What?
A credit score of 700 is considered "good" by FICO, and although it's not in "very good" or "exceptional" territory, it should qualify you for the best terms on most loans. Here's how you can use your credit score to get lower interest rates and maximize the benefits of good credit.
Even though a 700 credit score seems pretty high based on the official FICO score range of 300 to 850, it is exactly average, according to FICO data from April 2017. To put it in perspective, roughly 43% of credit scores across the United States are lower than 700. Of course, the average fluctuates. In 2009, for example, the average credit score was lower due to the financial crisis.
Regardless, having a score of 700 or higher should set you up for some of the best interest rates and terms available on credit cards, car loans, and mortgages.
Source: Fool.com
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