Credit Score Chart

Below is a the credit score chart that can help you identify how good your credit is. The credit score chart also shows different levels of credit from excellent credit to bad credit or poor credit.

In the US, the national credit score average (shown in the middle section of the credit score chart below) is 678. Most of the time lenders will only lend to people with good credit (green on the credit score chart) or at least fair credit score (blue on the credit score chart). If you have average credit or below average credit (yellow on the credit score chart), then you may be able to find lenders who will lend at higher interest rates.

For people with poor credit (red on the credit score chart), very few lenders will lend and usually the loan is backed by a collateral such as a house, a car, or a paycheck.

The credit score chart above should be used for reference only and as a quick guide to understanding different grades of credit scores. To keep track of your credit score personally, you can get free online FICO score.