What is a good credit score to buy a house?

Most conventional mortgage lenders require a minimum credit score of around 620 to qualify. But higher scores greatly increase your chances of approval and access to favorable mortgage rates.

What is a good credit score to buy a car?

Aiming for a credit score of 670 or higher can improve your chances of qualifying for better car loan terms. For auto loans in particular, higher scores typically translate to lower interest rates. While some lenders may approve applicants with Fair or even Poor credit, those loans often come with significantly higher APRs (annual percentage rates), increasing the overall cost of borrowing.

What is a good credit score by age?

There are no official credit score targets by age, since scores depend on credit history length and responsible usage rather than demographics. Many people aim for 700+ by their 30s or 40s to maximize financial options.

How rare is a 700 credit score?

A 700 credit score isn’t particularly rare. The U.S. average credit score in 2025 was around 715, so having a 700 is fairly common and considered solidly in the Good range by most lenders.

Is a 900 credit score possible?

No. Current mainstream credit models cap at 850. A score of 900 isn’t attainable under these systems.

What are the credit score ranges? Boost your credit score

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