VantageScore® Credit Score Ranges

Know Exactly Where Your Credit Stands Using VantageScore

Maintain a good financial history and make informed credit decisions. By using your VantageScore, you will get a more consistent, predictive and accurate score. Knowing your score can help you negotiate with lenders - which could save you thousands of dollars over the life of a loan


Score 900-90 - 16% of the population falls in this score range

Consumers in this group have credit scores that rank higher than 84 percent of U.S consumers. Most lenders are likely to provide the best credit terms available to these consumers.

Score 800-899 - 20% of the population falls in this score range

Consumers in this group have credit scores that rank higher than 64 percent of U.S consumers. Most lenders are likely to provide good credit terms available to these consumers.

Score 700-799 - 20% of the population falls in this score range

Consumers in this group have credit scores that rank higher than 44 percent of U.S consumers. Most lenders are likely to provide the reasonable credit terms available to these consumers. Some lenders may wish to review the credit history of consumers in this category in more depth and may require additional documentation in order to extend favorable terms.

Score 600-699 - 25% of the population falls in this score range

Consumers in this group have credit scores that rank higher than 19 percent of U.S consumers.Lenders typically view consumers in this category as higher risk. While many lenders still make credit available, they likely will offer somewhat less favorable terms to compensate for higher default rates in this category.

Score 500-599 - 19% of the population falls in this score range

Consumers in this group have credit scores that rank in the lowest 19 percent of U.S consumers. Lenders generally view this as a very high-risk group. Many prefer not to extend credit to this group. Some will extend more traditional credit but require much higher interest payments to compensate for the increased risk associated with this category.

  • © 2014 Experian Information Solutions, Inc. All rights reserved.