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The following is a list of the credit scores and their meanings: * 1  Excellent Score: 800+. * 2  Very Good score: 740-799. * 3  Good score: 670-739. * 4  Fair Score: 580-669. * 5  Below 580 â Limited credit history, poor credit.
Credit Guidelines. Credit scores range from about 300 to 850. According to Freddie Mac and Fannie Mae, which purchase mortgages from banks and resell them to investors, a FICO score above 620 is considered good.However, says Fair Isaac, A 620 score doesn't mean you're going to qualify for the best rate. credit score below 620 is considered subprime. The subprime lending category is for borrowers whom the lender determines to be risky loan candidates. Scores that fall short of 620 may bring about lender investigation. Applicants will be required to provide additional documentation to prove their creditworthiness.