{"id":41532,"date":"2022-06-09T06:15:41","date_gmt":"2022-06-09T06:15:41","guid":{"rendered":" https:\/\/dev.way.com\/blog\/?p=41532"},"modified":"2022-07-11T10:20:27","modified_gmt":"2022-07-11T10:20:27","slug":"what-defines-a-good-credit-score","status":"publish","type":"post","link":"https:\/\/dev.way.com\/journal\/what-defines-a-good-credit-score\/","title":{"rendered":"What defines a Good Credit Score?"},"content":{"rendered":"<p style=\"text-align: center;\"><em>When you apply for a loan, having a good credit score can help you qualify for favorable rates and terms. However, it is difficult to determine whether or not a particular credit score is good.\u00a0<\/em><\/p>\n<p><span data-preserver-spaces=\"true\">This is because the threshold for what is deemed acceptable can vary depending on the type of loan you&#8217;re applying for and the lender reviewing your information. There is a likelihood that you will end up with scores that vary based on which credit scoring model was employed by the lenders.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">In general, lenders do not disclose their minimum score requirements to the public.<\/span><\/p>\n<p><a href=\"http:\/\/www.way.com\/auto-refinance\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-41534 size-full\" src=\"https:\/\/blog.way.com\/wp-content\/uploads\/2022\/06\/Refinance.png\" alt=\"Auto Refinance\" width=\"744\" height=\"276\" srcset=\"http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Refinance.png 744w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Refinance-300x111.png 300w\" sizes=\"auto, (max-width: 744px) 100vw, 744px\" \/><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #e71346;color:#e71346\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #e71346;color:#e71346\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/dev.way.com\/journal\/what-defines-a-good-credit-score\/#What_are_the_Credit_Score_Bureaus_in_the_US\" >What are the Credit Score Bureaus in the US?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/dev.way.com\/journal\/what-defines-a-good-credit-score\/#What_is_the_range_of_Credit_Scores\" >What is the range of Credit Scores?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/dev.way.com\/journal\/what-defines-a-good-credit-score\/#What_is_a_Good_Credit_Score\" >What is a Good Credit Score?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/dev.way.com\/journal\/what-defines-a-good-credit-score\/#FICO_Score_%E2%80%93\" >FICO Score &#8211;\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/dev.way.com\/journal\/what-defines-a-good-credit-score\/#VantageScore_%E2%80%93\" >VantageScore &#8211;\u00a0<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/dev.way.com\/journal\/what-defines-a-good-credit-score\/#Factors_that_influence_your_Credit_Score\" >Factors that influence your Credit Score<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/dev.way.com\/journal\/what-defines-a-good-credit-score\/#What_Credit_Score_do_you_need_to_get_an_Auto_Loan\" >What Credit Score do you need to get an Auto Loan?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_Credit_Score_Bureaus_in_the_US\"><\/span><span data-preserver-spaces=\"true\">What are the Credit Score Bureaus in the US?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">Experian, Equifax, and TransUnion are the three major bureaus competing in the United States&#8217; lending market.\u00a0<\/span><span data-preserver-spaces=\"true\">This triumvirate controls the market for gathering, analyzing, and disseminating consumer information in the credit markets.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_the_range_of_Credit_Scores\"><\/span><span data-preserver-spaces=\"true\">What is the range of Credit Scores?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">FICO and VantageScore are two major brands that compete in the loan business in the United States. A good credit score is similar to the FICO and VantageScore scoring models, with significant differences.<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/media4.giphy.com\/media\/WU6JXGOD5agtawKc3m\/giphy.gif?cid=790b7611e1062a694b783c099a67f4c6b60a95fd2fae05a1&amp;rid=giphy.gif&amp;ct=g\" alt=\"FinanceJar GIF\" \/><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/giphy.com\/gifs\/credit-score-repair-WU6JXGOD5agtawKc3m\">via GIPHY<\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_a_Good_Credit_Score\"><\/span><span data-preserver-spaces=\"true\">What is a Good Credit Score?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">Credit score ranges differ depending on the credit scoring algorithm employed (FICO vs. VantageScore) and the credit bureau that pulls the score (Experian, Equifax, and TransUnion).\u00a0<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">You can check which credit score range you fall into using the estimates below:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"FICO_Score_%E2%80%93\"><\/span><span data-preserver-spaces=\"true\">FICO Score &#8211;\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><span data-preserver-spaces=\"true\">Very poor: 300 to 579<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Fair: 580 to 669<\/span><\/li>\n<li><strong>Good: 670 to 739<\/strong><\/li>\n<li><span data-preserver-spaces=\"true\">Very good: 740 to 799<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Excellent: 800 to 850<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"VantageScore_%E2%80%93\"><\/span><span data-preserver-spaces=\"true\">VantageScore &#8211;\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><span data-preserver-spaces=\"true\">Very poor: 300 to 499<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Poor: 500 to 600<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Fair: 601 to 660<\/span><\/li>\n<li><strong>Good: 661 to 780<\/strong><\/li>\n<li><span data-preserver-spaces=\"true\">Excellent: 781 to 850<\/span><\/li>\n<\/ul>\n<h2><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-41542 size-large\" src=\"https:\/\/blog.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_95448610_XL-min-1024x576.jpg\" alt=\"Factors that influence your Credit Score\" width=\"640\" height=\"360\" srcset=\"http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_95448610_XL-min-1024x576.jpg 1024w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_95448610_XL-min-300x169.jpg 300w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_95448610_XL-min-768x432.jpg 768w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_95448610_XL-min-1536x864.jpg 1536w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_95448610_XL-min-2048x1152.jpg 2048w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/h2>\n<h2><span class=\"ez-toc-section\" id=\"Factors_that_influence_your_Credit_Score\"><\/span><span data-preserver-spaces=\"true\">Factors that influence your Credit Score<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">Depending on the model, credit scores are calculated differently. Here are the main elements that FICO and VantageScore take into account:\u00a0<\/span><\/p>\n<ul>\n<li><span data-preserver-spaces=\"true\">Payment history<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Amounts owed<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Credit history<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">New Credit<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Credit mix<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"What_Credit_Score_do_you_need_to_get_an_Auto_Loan\"><\/span><span data-preserver-spaces=\"true\">What Credit Score do you need to get an Auto Loan?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-preserver-spaces=\"true\">Cars are frequently among the most expensive expenditures made by the average adult in the United States. For example, in May of 2021, the average price for a light car purchase in the United States was $39480.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">When it comes to a large purchase like a car, having good credit can save you thousands of dollars in financing costs.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">For example, a car salesperson would tell someone with a FICO score of 620 who wants to buy a new car that they could qualify for a $39,000 60-month loan. <\/span><span data-preserver-spaces=\"true\">Your <a href=\" https:\/\/dev.way.com\/blog\/what-is-apr-on-a-car-loan-and-how-is-it-calculated\/\">loan would have an APR<\/a> of 16.7% in June 2022, and your monthly payments would be $939. In addition, you&#8217;d pay an extra $18315 in interest throughout the loan. <\/span><span data-preserver-spaces=\"true\">Even if accepted, a monthly auto loan payment of $942 is a big amount.\u00a0<\/span><\/p>\n<h2><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-41541 size-large\" src=\"https:\/\/blog.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_95448604_XL-min-1024x576.jpg\" alt=\"What Credit Score do you need to get an Auto Loan?\" width=\"640\" height=\"360\" srcset=\"http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_95448604_XL-min-1024x576.jpg 1024w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_95448604_XL-min-300x169.jpg 300w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_95448604_XL-min-768x432.jpg 768w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_95448604_XL-min-1536x864.jpg 1536w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/Depositphotos_95448604_XL-min-2048x1152.jpg 2048w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/h2>\n<p><span data-preserver-spaces=\"true\">Assume you press the pause button and decide to work on improving your credit before applying for a loan. When you reapply later, you discover that you have moved the needle to 670, which is deemed &#8220;excellent&#8221; by most algorithms.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">The FICO Loan Calculator now suggests that you can qualify for an APR of roughly 7.89% with a credit score of 670. Your monthly payment on the same $38,000 auto loan would be $768 at that rate. Over the loan tenure, you&#8217;d pay $8106 in total interest.<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">You would save the following money if you move the needle from poor to the good:<\/span><\/p>\n<ul>\n<li><span data-preserver-spaces=\"true\">$171 per month<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">$2,052 per year<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">$10,208 over the life of the loan<\/span><\/li>\n<\/ul>\n<p><span data-preserver-spaces=\"true\">You might be able to save even more money if you have a higher credit score. For example, 720 or higher will almost certainly qualify you for the finest financing deals from auto lenders; a score of 800 is even more reliable.<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/media2.giphy.com\/media\/UuZ2HkKJQftTVuHDV7\/giphy.gif?cid=790b76114add33ac95d1ed683010ed6ce08ffe3c70e18346&amp;rid=giphy.gif&amp;ct=g\" alt=\"Money Finance GIF by The Credit Chef\" \/><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/giphy.com\/gifs\/money-thecreditchef-creditchef-UuZ2HkKJQftTVuHDV7\">via GIPHY<\/a><\/p>\n<hr \/>\n<p style=\"text-align: center;\"><em><span data-preserver-spaces=\"true\">Here&#8217;s more info on\u00a0<\/span><\/em><a class=\"editor-rtfLink\" href=\"https:\/\/www.way.com\/airport-parking\" target=\"_blank\" rel=\"noopener\"><em><span data-preserver-spaces=\"true\">top-rated airport parking<\/span><\/em><\/a><em><span data-preserver-spaces=\"true\">,\u00a0<\/span><\/em><a class=\"editor-rtfLink\" href=\"https:\/\/www.way.com\/cities\" target=\"_blank\" rel=\"noopener\"><em><span data-preserver-spaces=\"true\">the best parking spots in your city<\/span><\/em><\/a><em><span data-preserver-spaces=\"true\">, affordable\u00a0<\/span><\/em><a class=\"editor-rtfLink\" href=\"https:\/\/www.way.com\/auto-insurance\" target=\"_blank\" rel=\"noopener\"><em><span data-preserver-spaces=\"true\">auto insurance<\/span><\/em><\/a><em><span data-preserver-spaces=\"true\">, easy\u00a0<\/span><\/em><a class=\"editor-rtfLink\" href=\"https:\/\/www.way.com\/auto-refinance\" target=\"_blank\" rel=\"noopener\"><em><span data-preserver-spaces=\"true\">Auto refinance<\/span><\/em><\/a><em><span data-preserver-spaces=\"true\">, and\u00a0<\/span><\/em><a class=\"editor-rtfLink\" href=\"https:\/\/www.way.com\/car-wash-near-me\" target=\"_blank\" rel=\"noopener\"><em><span data-preserver-spaces=\"true\">high-quality car washes near you<\/span><\/em><\/a><em><span data-preserver-spaces=\"true\">.<\/span><\/em><\/p>\n<hr \/>\n<p style=\"text-align: center;\">\n","protected":false},"excerpt":{"rendered":"<p>When you apply for a loan, having a good credit score can help you qualify for favorable rates and terms. However, it is difficult to determine whether or not a particular credit score is good.\u00a0 This is because the threshold for what is deemed acceptable can vary depending on the type of loan you&#8217;re applying&hellip; <a class=\"more-link\" href=\"https:\/\/dev.way.com\/journal\/what-defines-a-good-credit-score\/\">Continue reading <span class=\"screen-reader-text\">What defines a Good Credit Score?<\/span><\/a><\/p>\n","protected":false},"author":46,"featured_media":41540,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1962,1855],"tags":[],"class_list":["post-41532","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-refinance","category-finance","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.3 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Do You Have A Good Credit Score? | Credit Score Ranges Explained<\/title>\n<meta name=\"description\" content=\"When you apply for a loan, having a good credit score can help you qualify for favorable rates and terms. 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