FICO Score Chart

FICO Score Chart. See where you fall in the FICO score range compared to the average fico score and the interest rates you are eligible for here.

FICO Score Range

The FICO chart records your FICO score within the FICO score range compared to the average FICO score. Your FICO score determines everything from the interest rate on your mortgage to the interest rate on your credit card. It is an indicator of your credit history. The higher your FICO score, the better interest rates you can secure. A high FICO score indicates a high level of credit trustworthiness; banks, credit card companies and landlords would thus see you as someone less likely to miss or default on payments.

FICO Scores Chart

Use this FICO Rating Chart to determine your current credit standing. There are six FICO score ranges:

FICO Score Range

720-850

700-719

675-699

620-674

560-619

500-559

The higher your FICO score, the lower the interest rates you are eligible for. You need to make sure your FICO score falls within the top range (between 720 and 850) in order to get the best interest rates. Those with scores below 500 fall below even the lowest FICO score range and would be in the ‘sub lenders’ category

The difference between the top range and the bottom range can be as large as 4%; especially for big ticket items such as a house, this translates into a difference of several hundred dollars in monthly payments, and a few hundred thousand dollars in interest in total.

Actual FICO Score Chart: FICO score range lenders

FICO Score Range	Interest rate on 10-year fixed mortgage
FICO number: 720-850	4.600%
FICO number: 700-719	4.825%
FICO number: 675-699	5.262%
FICO number: 620-674	6.131%
FICO number: 560-619	7.422%
FICO number: 500-559	8.025%

As you can see, your FICO score can dramatically affect the interest rates you are eligible for. The more you are able to increase your FICO score, the more you will save on costly interest rate payments.

Credit Report FICO Score

What is your credit report FICO score? Factors that determine your FICO score and how to influence them.

Improving FICO Score

What it takes to raise your FICO score. How to raise FICO score. How to improve your FICO score by improving each component of the score.

FICO Score Calculation

How the FICO score is calculated. Implications on interest rates and what it takes to score in the highest range.

What does FICO stand for

What FICO stands for in the first place. Thorough definition of FICO and how it came about.

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