{"id":329175,"date":"2024-11-14T04:32:40","date_gmt":"2024-11-14T09:32:40","guid":{"rendered":"https:\/\/www.houzeo.com\/blog\/?p=329175"},"modified":"2025-02-11T04:22:23","modified_gmt":"2025-02-11T09:22:23","slug":"what-is-a-good-credit-score","status":"publish","type":"post","link":"https:\/\/www.houzeo.com\/blog\/what-is-a-good-credit-score\/","title":{"rendered":"What Is a Good Credit Score and How Much Do You Need?"},"content":{"rendered":"\n<p class=\"highlight\"><a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-the-average-credit-score-in-the-u-s\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">71.3%<\/a> of Americans have a good or excellent FICO score. Additionally, 61% of Americans have a good or very good VantageScore. The average credit score for FICO stands at <strong>715<\/strong>, while the average VantageScore is <strong>702<\/strong>.&nbsp;&nbsp;<\/p>\n\n\n\n<p>This suggests that there is a growing trend of individuals aiming to maintain good credit scores. As doing so can increase their chances of qualifying for larger loan amounts and lower mortgage rates. <\/p>\n\n\n\n<p>However, your credit score is reflected in your credit worthiness. So, to determine your creditworthiness, you must get a mortgage pre-approval. It reviews your financial information like credit score and history to give you an idea of how likely you are to be approved for a mortgage.<\/p>\n\n\n\n<p><strong>So, Start here!<\/strong><\/p>\n\n\n\n<h2 class=\"margin-top-28 wp-block-heading\" id=\"What-Is-a-Good-Credit-Score\"><strong>What Is a Good Credit Score?<\/strong><\/h2>\n\n\n\n<p>A good credit score ranges between 300-850. It measures how likely the <a href=\"https:\/\/www.houzeo.com\/blog\/mortgagor\/\" target=\"_blank\" rel=\"noreferrer noopener\">mortgagor<\/a> is to repay the money or fulfill their financial obligations. A higher digit (above 600)  indicates a good or excellent credit scores<\/p>\n\n\n\n<p>Here are the credit scores for different types of mortgages:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.houzeo.com\/blog\/conventional-loan\/\" target=\"_blank\" rel=\"noreferrer noopener\">Conventional loans<\/a> require a minimum score of 620.<\/li><li>FHA loans require a minimum score of 580.<\/li><li>USDA loans require a minimum of 620.<\/li><li>VA Loans have no minimum requirements. However, most of the lenders consider a credit score of 620.&nbsp;<\/li><\/ul>\n\n\n\n<p>Furthermore, a good credit score also depends on two different models: &nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li><strong>FICO<\/strong><\/li><li><strong>VantageScores&nbsp;<\/strong><\/li><\/ol>\n\n\n\n<h2 class=\"margin-top-28 wp-block-heading\" id=\"Whats-a-FICO-Score\"><strong>What\u2019s a FICO Score?<\/strong><\/h2>\n\n\n\n<p>FICO score is the most widely used credit score model. It is developed by fair isaac corporation (FICO) to determine your creditworthiness. <\/p>\n\n\n\n<h3 class=\"margin-top-15 wp-block-heading\"><strong>What Is a Good FICO Score?<\/strong><\/h3>\n\n\n\n<p>A good FICO score is around 670 to 740. FICO score range can be classified in the following categories:&nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li><strong>Fair Range:<\/strong> 580 to 669&nbsp;<\/li><li><strong>Good Range:<\/strong> 670 to 739<\/li><li><strong>Very Good Range:<\/strong> 740 to 799<\/li><li><strong>Exceptional Range:<\/strong> 800+<\/li><\/ol>\n\n\n\n<h2 class=\"margin-top-28 wp-block-heading\" id=\"Whats-a-VantageScore\"><strong>What&#8217;s a VantageScore?<\/strong><\/h2>\n\n\n\n<p>VantageScore is a credit score model developed by Experian, Equifax, and TransUnion. It ranges from around 300 to 850. <\/p>\n\n\n\n<h3 class=\"margin-top-15 wp-block-heading\"><strong>What Is a Good VantageScore?&nbsp;<\/strong><\/h3>\n\n\n\n<p>A good VantageScore is also known as a prime-tier score. It ranges from around 661 to 780. Furthermore, VantageScore can be classified in the following range:<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li><strong>Subprime:<\/strong> 350 to 600<\/li><li><strong>Near Prime:<\/strong> 601 to 660<\/li><li><strong>Prime:<\/strong> 661 to 780<\/li><li><strong>Superprime:<\/strong> 781 to 850<\/li><\/ol>\n\n\n\n<h2 class=\"margin-top-28 wp-block-heading\" id=\"Benefits-of-a-Good-Credit-Score\"><strong>What Are the<\/strong> <strong>Benefits of a Good Credit Score<\/strong>?<\/h2>\n\n\n\n<p>A good credit score can significantly help you in many ways:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Lower Interest Rates: <\/strong>A good score of 620 or above justifies your ability to repay. Therefore, <a href=\"https:\/\/www.houzeo.com\/pros\/mortgage-lenders-near-me\" target=\"_blank\" rel=\"noreferrer noopener\">lenders<\/a> will likely offer you lower interest rates below 7%.&nbsp;<\/li><li><strong>Higher Credit Limits:<\/strong> It can help you qualify for higher credit. For instance, if you have a score of 620 or above you are eligible to get a no-limit mortgage (<a href=\"https:\/\/www.houzeo.com\/blog\/non-conforming-loan\/\" target=\"_blank\" rel=\"noreferrer noopener\">non-conforming loan<\/a>).&nbsp;<\/li><li><strong>Better Loan Terms:<\/strong> You can secure a mortgage with better loan terms like lower closing costs, more negotiating power and easier credit approval.&nbsp;<\/li><li><strong>No Private Mortgage Insurance (PMI):<\/strong> You have to pay around 0.55% to 1.5% <a href=\"https:\/\/www.houzeo.com\/blog\/what-is-pmi\/\" target=\"_blank\" rel=\"noreferrer noopener\">private mortgage insurance<\/a> on a conventional mortgage. However, if your score is above 620 with a 20% down payment you don&#8217;t have to pay PMI.&nbsp;<\/li><\/ul>\n\n\n\n<h2 class=\"margin-top-28 wp-block-heading\" id=\"What-affects-your-credit-score\"><strong>What Affects Your Credit Score?<\/strong><\/h2>\n\n\n\n<p>Your credit score is influenced by your ability to repay the loan. Therefore, both models have their factors that affect your credit score. <strong>Here are the factors that affect your FICO score:&nbsp;<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" loading=\"lazy\" width=\"840px\" height=\"450px\" src=\"https:\/\/www.houzeo.com\/blog\/wp-content\/uploads\/2024\/11\/factors-affecting-fico-score-1024x576.webp\" alt=\"\" class=\"wp-image-629830\" srcset=\"https:\/\/www.houzeo.com\/blog\/wp-content\/uploads\/2024\/11\/factors-affecting-fico-score-1024x576.webp 1024w, https:\/\/www.houzeo.com\/blog\/wp-content\/uploads\/2024\/11\/factors-affecting-fico-score-300x169.webp 300w, https:\/\/www.houzeo.com\/blog\/wp-content\/uploads\/2024\/11\/factors-affecting-fico-score-768x432.webp 768w, https:\/\/www.houzeo.com\/blog\/wp-content\/uploads\/2024\/11\/factors-affecting-fico-score-1536x864.webp 1536w, https:\/\/www.houzeo.com\/blog\/wp-content\/uploads\/2024\/11\/factors-affecting-fico-score.webp 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><strong>Here are the factors that affect your VantageScore:&nbsp;<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" loading=\"lazy\" width=\"840px\" height=\"450px\" src=\"https:\/\/www.houzeo.com\/blog\/wp-content\/uploads\/2024\/11\/factors-affecting-VantageScore-1024x576.webp\" alt=\"\" class=\"wp-image-629834\" srcset=\"https:\/\/www.houzeo.com\/blog\/wp-content\/uploads\/2024\/11\/factors-affecting-VantageScore-1024x576.webp 1024w, https:\/\/www.houzeo.com\/blog\/wp-content\/uploads\/2024\/11\/factors-affecting-VantageScore-300x169.webp 300w, https:\/\/www.houzeo.com\/blog\/wp-content\/uploads\/2024\/11\/factors-affecting-VantageScore-768x432.webp 768w, https:\/\/www.houzeo.com\/blog\/wp-content\/uploads\/2024\/11\/factors-affecting-VantageScore-1536x864.webp 1536w, https:\/\/www.houzeo.com\/blog\/wp-content\/uploads\/2024\/11\/factors-affecting-VantageScore.webp 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"margin-top-28 wp-block-heading\" id=\"How-to-Improve-Credit-Scores\"><strong>How to Improve Credit Scores?<\/strong><\/h2>\n\n\n\n<p>You can try these ways to improve your credit scores:&nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li><strong>Make Timely Payments:<\/strong> Delay on your credit payment stays for 7 years in the credit report. Therefore, make timely payments and enhance your payment history. It assures you are likely to pay your <a href=\"https:\/\/www.houzeo.com\/blog\/principal-and-interest\/\" target=\"_blank\" rel=\"noreferrer noopener\">mortgage interests<\/a> on time.&nbsp;<\/li><li><span style=\"margin: 0px; padding: 0px;\"><strong>Reduce Credit Utilization:<\/strong>&nbsp;A low <\/span>credit<span style=\"margin: 0px; padding: 0px;\"> utilization of 35.2% can help you improve your s<\/span>cor<span style=\"margin: 0px; padding: 0px;\">e.<\/span> Generally, those with a good score have their utilization rate below 40%.&nbsp;<\/li><li><strong>Maintain Old Accounts:<\/strong> The length of your credit history can <a href=\"https:\/\/www.houzeo.com\/blog\/how-to-repair-credit\/\" target=\"_blank\" rel=\"noreferrer noopener\">improve your scores<\/a>. Keep your old accounts active as they contribute to your credit age.<\/li><li><strong>Diversify Your Credit Mix:<\/strong> Diversified credit mix showcases that you can responsibly manage different types of credit. It contributes to your score positively.&nbsp;<\/li><\/ol>\n\n\n\n<h2 class=\"margin-top-28 wp-block-heading\" id=\"What-should-be-your-ideal-credit-score\"><strong>What Should Be Your Ideal Credit Score?<\/strong><\/h2>\n\n\n\n<p>Your Ideal credit should be at least 600 or 680. With a good credit score, you can secure better deals on a mortgage. Plus, you can even get competitive interest rates. <\/p>\n\n\n\n<p>With current interest rates below 7%, the housing market is in your favor. So, why wait? With Houzeo, you can secure your American dream of ownership with just a few clicks.&nbsp;Start now!<\/p>\n\n\n\n<h2 class=\"margin-top-28 wp-block-heading\"><strong>Find Your New Home With Houzeo<\/strong><\/h2>\n\n\n\n<p>With thousands of property listings, Houzeo.com is one of the biggest property listing sites in the US. Find condos, townhouses, co-ops, and other types of <a href=\"https:\/\/www.houzeo.com\/homes-for-sale\" target=\"_blank\" rel=\"noreferrer noopener\">homes for sale<\/a> on Houzeo.<\/p>\n\n\n\n<p class=\"margin-top-15\"><strong>\u00bb NEED MORE CLARITY?&nbsp;<\/strong>Read these exclusive&nbsp;<a href=\"https:\/\/www.realestatequeen.com\/houzeo-reviews\/\" target=\"_blank\" rel=\"noreferrer noopener\">Houzeo reviews<\/a>&nbsp;and learn why the platform is the best in America\u2019s competitive housing market.<\/p>\n\n\n\n<h2 class=\"margin-top-28 wp-block-heading\" id=\"FAQs\"><strong>Frequently Asked Questions<\/strong><\/h2>\n\n\n\t\t<div class=\"wp-faq-schema-wrap wp-faq-schema-accordion\">\n\t\t\t\t\t\t<div class=\"wp-faq-schema-items\">\n\t\t\t\t\t\t\t\t\t<p class=\"ui-accordion-header\">\n\t\t\t\t\t\tWhat to do if you have a bad credit score?\t\t\t\t\t\t<span class=\"ui-accordion-header-icon ui-icon ui-icon-triangle-1-s\"><\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<div class=\"ui-accordion-content\">\n\t\t\t\t\t\t<p>If you have a bad credit score, you should look for mortgages that come in your credit score range. However, you can even <a href=\"#How-to-Improve-Credit-Scores?\"> improve your credit scores  <\/a> by making timely payment and reducing credit utilization. <\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<p class=\"ui-accordion-header\">\n\t\t\t\t\t\tWhat is a good FICO score?\t\t\t\t\t\t<span class=\"ui-accordion-header-icon ui-icon ui-icon-triangle-1-s\"><\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<div class=\"ui-accordion-content\">\n\t\t\t\t\t\t<p>A <a href=\"#What's-a-FICO-Score?\"> good FICO score <\/a> is around 670-639. It is determined on your payment history, amounts owed, length of credit history, new credit and credit mix.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<p class=\"ui-accordion-header\">\n\t\t\t\t\t\tWhat is a good VantageScore?\t\t\t\t\t\t<span class=\"ui-accordion-header-icon ui-icon ui-icon-triangle-1-s\"><\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<div class=\"ui-accordion-content\">\n\t\t\t\t\t\t<p>A <a href=\"#What's-a-VantageScore?\"> good VantageScore <\/a> is around 661-780. It is determined on your payment history, credit depth, credit utilization, balances, recent credit and available credit.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<p class=\"ui-accordion-header\">\n\t\t\t\t\t\tWhat is the highest credit score?\t\t\t\t\t\t<span class=\"ui-accordion-header-icon ui-icon ui-icon-triangle-1-s\"><\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<div class=\"ui-accordion-content\">\n\t\t\t\t\t\t<p>The highest credit score is 850 for FICO and VantageScore. It is also called as excellent or maximum credit score. <\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n","protected":false},"excerpt":{"rendered":"<div class=\"new-excerpt\"><p class=\"small-desc\">A good credit score is a measure of how likely an individual is to repay the borrowed money or fulfill their financial...<\/p><\/div><div class=\"reading_date\"><span class=\"readtime\">4 mins read<\/span><span class=\"date\">Nov 14, 2024<\/span><\/div>","protected":false},"author":102,"featured_media":428108,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[46225,46240],"tags":[37107,37105,39667,37104,37102],"class_list":["post-329175","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buyer","category-mortgage-terms","tag-what-is-considered-a-good-credit-score","tag-what-is-good-credit-score","tag-what-is-the-credit-score-range","tag-what-is-the-credit-score-range-what-is-good-credit-score","tag-whats-a-good-credit-score"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is a Good Credit Score? How Much Do You Need?\u00a0<\/title>\n<meta name=\"description\" content=\"A good FICO score is around 670 to 740, while the VantageScore is 661 to 780. With this score you can secure lower interest rates.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.houzeo.com\/blog\/what-is-a-good-credit-score\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is a Good Credit Score? How Much Do You Need?\u00a0\" \/>\n<meta property=\"og:description\" content=\"A good FICO score is around 670 to 740, while the VantageScore is 661 to 780. With this score you can secure lower interest rates.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.houzeo.com\/blog\/what-is-a-good-credit-score\/\" \/>\n<meta property=\"og:site_name\" content=\"Houzeo Blog\" \/>\n<meta property=\"article:published_time\" content=\"2024-11-14T09:32:40+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-02-11T09:22:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.houzeo.com\/blog\/wp-content\/uploads\/2023\/07\/What-is-a-good-credit-score.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"810\" \/>\n\t<meta property=\"og:image:height\" content=\"435\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Bhagyesh Behere\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Bhagyesh Behere\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What Is a Good Credit Score? How Much Do You Need?\u00a0","description":"A good FICO score is around 670 to 740, while the VantageScore is 661 to 780. With this score you can secure lower interest rates.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.houzeo.com\/blog\/what-is-a-good-credit-score\/","og_locale":"en_US","og_type":"article","og_title":"What Is a Good Credit Score? How Much Do You Need?\u00a0","og_description":"A good FICO score is around 670 to 740, while the VantageScore is 661 to 780. With this score you can secure lower interest rates.","og_url":"https:\/\/www.houzeo.com\/blog\/what-is-a-good-credit-score\/","og_site_name":"Houzeo Blog","article_published_time":"2024-11-14T09:32:40+00:00","article_modified_time":"2025-02-11T09:22:23+00:00","og_image":[{"width":810,"height":435,"url":"https:\/\/www.houzeo.com\/blog\/wp-content\/uploads\/2023\/07\/What-is-a-good-credit-score.webp","type":"image\/webp"}],"author":"Bhagyesh Behere","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Bhagyesh Behere","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.houzeo.com\/blog\/what-is-a-good-credit-score\/","url":"https:\/\/www.houzeo.com\/blog\/what-is-a-good-credit-score\/","name":"What Is a Good Credit Score? 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With this score you can secure lower interest rates.","inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.houzeo.com\/blog\/what-is-a-good-credit-score\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.houzeo.com\/blog\/what-is-a-good-credit-score\/#primaryimage","url":"https:\/\/www.houzeo.com\/blog\/wp-content\/uploads\/2023\/07\/What-is-a-good-credit-score.webp","contentUrl":"https:\/\/www.houzeo.com\/blog\/wp-content\/uploads\/2023\/07\/What-is-a-good-credit-score.webp","width":810,"height":435,"caption":"What is a good credit score"},{"@type":"WebSite","@id":"https:\/\/www.houzeo.com\/blog\/#website","url":"https:\/\/www.houzeo.com\/blog\/","name":"Houzeo Blog","description":"","publisher":{"@id":"https:\/\/www.houzeo.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.houzeo.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.houzeo.com\/blog\/#organization","name":"Houzeo","url":"https:\/\/www.houzeo.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.houzeo.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.houzeo.com\/blog\/wp-content\/uploads\/2020\/07\/new-logo.png","contentUrl":"https:\/\/www.houzeo.com\/blog\/wp-content\/uploads\/2020\/07\/new-logo.png","width":190,"height":55,"caption":"Houzeo"},"image":{"@id":"https:\/\/www.houzeo.com\/blog\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/www.houzeo.com\/blog\/wp-json\/wp\/v2\/posts\/329175","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.houzeo.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.houzeo.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.houzeo.com\/blog\/wp-json\/wp\/v2\/users\/102"}],"replies":[{"embeddable":true,"href":"https:\/\/www.houzeo.com\/blog\/wp-json\/wp\/v2\/comments?post=329175"}],"version-history":[{"count":127,"href":"https:\/\/www.houzeo.com\/blog\/wp-json\/wp\/v2\/posts\/329175\/revisions"}],"predecessor-version":[{"id":685975,"href":"https:\/\/www.houzeo.com\/blog\/wp-json\/wp\/v2\/posts\/329175\/revisions\/685975"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.houzeo.com\/blog\/wp-json\/wp\/v2\/media\/428108"}],"wp:attachment":[{"href":"https:\/\/www.houzeo.com\/blog\/wp-json\/wp\/v2\/media?parent=329175"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.houzeo.com\/blog\/wp-json\/wp\/v2\/categories?post=329175"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.houzeo.com\/blog\/wp-json\/wp\/v2\/tags?post=329175"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}