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In general, landlords breathe easier when a renter has a credit score over 700. However, a credit score over 650 generally is high enough to win over landlords. It all comes down to your competition, since a landlord may select an applicant with a better score over you.
Here's what average credit will get you, and why it's so important to work for the best credit score you can get. Buying a house The good news is that even with an average credit score, homebuyers can get a rather competitive mortgage rate. As of this writing, an average FICO score should get you a 30-year mortgage rate of about 4.16%, which is not too far off from the 3.76% rate the top tier of borrowers (760 FICO and up) can get, according to myFICO.com.