What's Length of Credit History?
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What Is an Excellent Credit Score?
4 min read
Published February 24, 2026
Key Takeaways
- Excellent credit differs across credit score models.
- A top-tier credit score may open the door to better financial opportunities, including higher approval odds, lower interest rates, and access to premium credit cards or higher credit limits.
- Strong credit habits may help you build and maintain an excellent score over time.
| Range | Rating |
|---|---|
| 300 — 579 | Poor |
| 580 — 669 | Fair |
| 670 — 739 | Good |
| 740 — 799 | Very good |
| 800 — 850 | Exceptional |
| Range | Rating |
|---|---|
| 300 — 600 | Subprime/Not prime |
| 601— 660 | Near prime |
| 661 — 780 | Prime |
| 781— 850 | Super prime |
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