Credit tiers aren't just labels — lenders price loans off them. Understanding the bands tells you what to aim for and why it pays off.
The bands
Roughly: Fair is 580–669, Good is 670–739, Very Good is 740–799, and Excellent is 800+. The gap between Good and Excellent is about 130 points — but it can mean a full percentage point off a mortgage rate.
Worth it
On a $300k mortgage, moving from Good to Excellent can save tens of thousands over the life of the loan.
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Start for $1How to close the gap
The move from Good to Excellent is almost entirely about two things: a spotless payment record and very low utilization. Time does the rest.