The standard FICO credit-score range in the United States is 300 to 850.
FICO scores are calculated from information in a consumer’s credit report. The main scoring factors include payment history, amounts owed, length of credit history, new credit, and the mix of credit accounts. Lenders use scores as one part of credit-risk decisions.
A higher score generally indicates lower estimated lending risk, but there is no single universal cutoff that guarantees approval, a particular interest rate, or a specific credit limit. Each lender sets its own policies and may use a different FICO version.
FICO scores should also be distinguished from VantageScore, another scoring system. Both use credit-report data, but their models and score interpretations can differ. A score is not the same thing as a credit report, which contains the underlying account information.