Fair Credit
A FICO score of 580–669. Credit products are available in this range but often at higher interest rates and with stricter terms. Sometimes called 'subprime.' Building positive credit history can move a score from fair to good within 12–24 months.
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- Full credit & FICO® glossary
Browse all defined terms by category.
- FICO Score
A three-digit number ranging from 300 to 850 that represents your creditworthiness, calculated by the Fair Isaac Corporation (FICO) using data from your credit report. Used by 90% of top US lenders to evaluate loan and credit card applications.
- Credit Score Range
The classification system that groups FICO scores into categories. Poor: 300–579. Fair: 580–669. Good: 670–739. Very Good: 740–799. Exceptional: 800–850. These ranges are used by lenders to set interest rates and determine eligibility for credit products.
Frequently Asked Questions About Fair Credit
What does Fair Credit mean?
A FICO score of 580–669. Credit products are available in this range but often at higher interest rates and with stricter terms. Sometimes called 'subprime.' Building positive credit history can move a score from fair to good within 12–24 months.
Is Fair Credit important for my FICO® score?
Understanding Fair Credit helps you manage your credit profile more effectively, which in turn supports a stronger FICO® score.